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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 | $106,864+33.3% | $147,318-3.3% | $82,637+72.4% |
| Participation rate | 53.8% | 75.5%-21.7pp | 82.1%-28.2pp | 68.1%-14.2pp |
| Annual return | 9.18% | 27.49%-18.3pp | 70.43%-61.3pp | 53.51%-44.3pp |
| Employer contribution / active EE | $2,944 | $3,417-13.8% | $4,593-35.9% | $2,552+15.3% |
| Participant deferral / active EE | $6,254 | $6,496-3.7% | $7,906-20.9% | $4,126+51.6% |
| Admin fee / account holder | $70,877 | $8,415+742.3% | $13,708+417.1% | $7,339+865.8% |