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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 | $126,695 | $37,436+238.4% | $77,513+63.5% | $79,858+58.7% |
| Participation rate | 47.6% | 41.5%+6.1pp | 54.2%-6.6pp | 69.6%-22.0pp |
| Annual return | 9.55% | 39.75%-30.2pp | 54.81%-45.3pp | 31.72%-22.2pp |
| Employer contribution / active EE | $1,130 | $637+77.4% | $987+14.6% | $2,471-54.3% |
| Participant deferral / active EE | $2,559 | $1,261+103.0% | $1,861+37.5% | $3,740-31.6% |
| Admin fee / account holder | $3,500 | $2,505+39.7% | $2,859+22.4% | $5,306-34.0% |