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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 | $119,303 | $51,638+131.0% | $68,368+74.5% | $82,448+44.7% |
| Participation rate | 47.4% | 63.6%-16.2pp | 73.8%-26.4pp | 68.1%-20.7pp |
| Annual return | 4.54% | 37.53%-33.0pp | 292.57%-288.0pp | 41.64%-37.1pp |
| Employer contribution / active EE | $1,866 | $2,047-8.8% | $2,649-29.6% | $2,551-26.9% |
| Participant deferral / active EE | $3,816 | $2,914+31.0% | $4,123-7.4% | $4,139-7.8% |
| Admin fee / account holder | $5,773 | $4,643+24.3% | $5,150+12.1% | $7,234-20.2% |