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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 | $221,367 | $106,749+107.4% | $145,433+52.2% | $82,448+168.5% |
| Participation rate | 47.1% | 75.6%-28.6pp | 82.1%-35.1pp | 68.1%-21.0pp |
| Annual return | 12.81% | 27.59%-14.8pp | 66.58%-53.8pp | 41.64%-28.8pp |
| Employer contribution / active EE | $1,946 | $3,444-43.5% | $4,554-57.3% | $2,551-23.7% |
| Participant deferral / active EE | $7,030 | $6,519+7.8% | $7,897-11.0% | $4,139+69.8% |
| Admin fee / account holder | $955 | $8,390-88.6% | $13,129-92.7% | $7,234-86.8% |