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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 | $119,559 | $93,598+27.7% | $135,974-12.1% | $75,173+59.0% |
| Participation rate | 50.0% | 75.2%-25.2pp | 81.9%-31.9pp | 67.2%-17.2pp |
| Annual return | 12.05% | 30.89%-18.8pp | 68.30%-56.3pp | 160.72%-148.7pp |
| Employer contribution / active EE | $1,657 | $3,538-53.2% | $4,859-65.9% | $2,671-38.0% |
| Participant deferral / active EE | $4,239 | $6,405-33.8% | $7,760-45.4% | $4,126+2.7% |
| Admin fee / account holder | $2,359 | $6,978-66.2% | $10,767-78.1% | $5,651-58.3% |