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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 | $184,870 | $94,031+96.6% | $115,768+59.7% | $82,448+124.2% |
| Participation rate | 51.6% | 70.4%-18.8pp | 74.4%-22.8pp | 68.1%-16.5pp |
| Annual return | 10.27% | 20.61%-10.3pp | 100.46%-90.2pp | 41.64%-31.4pp |
| Employer contribution / active EE | $1,588 | $2,323-31.7% | $2,940-46.0% | $2,551-37.8% |
| Participant deferral / active EE | $4,253 | $3,972+7.1% | $4,917-13.5% | $4,139+2.7% |
| Admin fee / account holder | $39,115 | $10,249+281.6% | $12,439+214.4% | $7,234+440.7% |