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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 | $112,620 | $95,453+18.0% | $112,040+0.5% | $82,448+36.6% |
| Participation rate | 63.3% | 72.8%-9.5pp | 76.5%-13.2pp | 68.1%-4.8pp |
| Annual return | 10.38% | 23.92%-13.5pp | 24.52%-14.1pp | 41.64%-31.3pp |
| Employer contribution / active EE | $1,075 | $2,318-53.6% | $2,954-63.6% | $2,551-57.9% |
| Participant deferral / active EE | $4,549 | $4,224+7.7% | $5,098-10.8% | $4,139+9.9% |
| Admin fee / account holder | $1,914 | $9,013-78.8% | $12,098-84.2% | $7,234-73.5% |