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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 | $142,439 | $106,524+33.7% | $152,301-6.5% | $87,485+62.8% |
| Participation rate | 53.8% | 75.8%-21.9pp | 82.4%-28.6pp | 68.9%-15.1pp |
| Annual return | 9.18% | 26.89%-17.7pp | 80.50%-71.3pp | 26.06%-16.9pp |
| Employer contribution / active EE | $2,944 | $3,371-12.7% | $4,624-36.3% | $2,596+13.4% |
| Participant deferral / active EE | $6,254 | $6,525-4.1% | $8,004-21.9% | $4,274+46.3% |
| Admin fee / account holder | $70,877 | $8,287+755.3% | $14,398+392.3% | $7,775+811.6% |