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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 | $118,728 | $61,390+93.4% | $112,228+5.8% | $75,177+57.9% |
| Participation rate | 56.0% | 61.6%-5.6pp | 72.4%-16.4pp | 67.2%-11.2pp |
| Annual return | 12.25% | 28.47%-16.2pp | 30.23%-18.0pp | 160.75%-148.5pp |
| Employer contribution / active EE | $960 | $2,015-52.4% | $3,432-72.0% | $2,671-64.1% |
| Participant deferral / active EE | $3,235 | $3,108+4.1% | $4,800-32.6% | $4,126-21.6% |
| Admin fee / account holder | $555 | $4,862-88.6% | $7,752-92.8% | $5,651-90.2% |