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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 | $110,948 | $81,358+36.4% | $155,556-28.7% | $80,959+37.0% |
| Participation rate | 40.5% | 66.3%-25.8pp | 78.2%-37.7pp | 67.7%-27.2pp |
| Annual return | 7.00% | 33.39%-26.4pp | 64.84%-57.8pp | 35.67%-28.7pp |
| Employer contribution / active EE | $1,590 | $3,106-48.8% | $4,675-66.0% | $2,757-42.3% |
| Participant deferral / active EE | $4,168 | $3,455+20.6% | $5,631-26.0% | $4,300-3.1% |
| Admin fee / account holder | $7,020 | $7,994-12.2% | $15,885-55.8% | $6,925+1.4% |