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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 | $134,532 | $83,485+61.1% | $125,195+7.5% | $72,976+84.4% |
| Participation rate | 62.5% | 73.3%-10.8pp | 79.8%-17.3pp | 69.5%-7.0pp |
| Annual return | 15.17% | 25.77%-10.6pp | 43.79%-28.6pp | 81.02%-65.8pp |
| Employer contribution / active EE | $2,238 | $2,346-4.6% | $3,866-42.1% | $2,440-8.3% |
| Participant deferral / active EE | $3,267 | $3,586-8.9% | $4,937-33.8% | $3,608-9.4% |
| Admin fee / account holder | $1,475 | $5,518-73.3% | $9,704-84.8% | $5,124-71.2% |