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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 | $122,291 | $102,422+19.4% | $147,117-16.9% | $80,959+51.1% |
| Participation rate | 34.4% | 75.9%-41.5pp | 82.2%-47.8pp | 67.7%-33.3pp |
| Annual return | 9.18% | 135.16%-126.0pp | 420.54%-411.4pp | 35.67%-26.5pp |
| Employer contribution / active EE | $1,129 | $3,717-69.6% | $4,932-77.1% | $2,757-59.1% |
| Participant deferral / active EE | $3,388 | $6,652-49.1% | $8,065-58.0% | $4,300-21.2% |
| Admin fee / account holder | $4,228 | $7,953-46.8% | $12,993-67.5% | $6,925-38.9% |