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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 | $127,302 | $78,428+62.3% | $95,960+32.7% | $79,852+59.4% |
| Participation rate | 60.0% | 73.5%-13.5pp | 77.1%-17.1pp | 69.6%-9.6pp |
| Annual return | 7.49% | 19.37%-11.9pp | 91.63%-84.1pp | 31.72%-24.2pp |
| Employer contribution / active EE | $2,486 | $1,945+27.8% | $2,541-2.2% | $2,471+0.6% |
| Participant deferral / active EE | $4,693 | $3,440+36.4% | $4,167+12.6% | $3,740+25.5% |
| Admin fee / account holder | $2,774 | $5,622-50.7% | $6,797-59.2% | $5,306-47.7% |