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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 | $211,531 | $72,027+193.7% | $185,835+13.8% | $79,852+164.9% |
| Participation rate | 48.7% | 65.8%-17.1pp | 78.0%-29.3pp | 69.6%-20.9pp |
| Annual return | 7.89% | 23.13%-15.2pp | 35.96%-28.1pp | 31.72%-23.8pp |
| Employer contribution / active EE | $3,219 | $1,965+63.8% | $4,087-21.3% | $2,471+30.2% |
| Participant deferral / active EE | $5,408 | $3,780+43.1% | $5,633-4.0% | $3,740+44.6% |
| Admin fee / account holder | $1,151 | $4,513-74.5% | $9,502-87.9% | $5,306-78.3% |