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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $192,693 | $72,272+166.6% | $101,264+90.3% | $79,858+141.3% |
| Participation rate | 51.3% | 68.5%-17.2pp | 75.8%-24.5pp | 69.6%-18.4pp |
| Annual return | 10.22% | 22.30%-12.1pp | 46.48%-36.3pp | 31.72%-21.5pp |
| Employer contribution / active EE | $1,239 | $2,692-54.0% | $3,660-66.1% | $2,471-49.8% |
| Participant deferral / active EE | $2,182 | $3,282-33.5% | $4,370-50.1% | $3,740-41.7% |
| Admin fee / account holder | $7,131 | $4,401+62.1% | $5,947+19.9% | $5,306+34.4% |