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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 | $122,269 | $93,598+30.6% | $135,974-10.1% | $75,173+62.6% |
| Participation rate | 55.3% | 75.2%-19.9pp | 81.9%-26.6pp | 67.2%-11.9pp |
| Annual return | 14.23% | 30.89%-16.7pp | 68.30%-54.1pp | 160.72%-146.5pp |
| Employer contribution / active EE | $1,558 | $3,538-56.0% | $4,859-67.9% | $2,671-41.7% |
| Participant deferral / active EE | $4,588 | $6,405-28.4% | $7,760-40.9% | $4,126+11.2% |
| Admin fee / account holder | $12,080 | $6,978+73.1% | $10,767+12.2% | $5,651+113.8% |