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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 | $142,040 | $102,429+38.7% | $147,096-3.4% | $80,925+75.5% |
| Participation rate | 51.4% | 75.9%-24.5pp | 82.2%-30.8pp | 67.7%-16.3pp |
| Annual return | 7.97% | 135.02%-127.1pp | 419.75%-411.8pp | 35.65%-27.7pp |
| Employer contribution / active EE | $1,582 | $3,716-57.4% | $4,936-68.0% | $2,756-42.6% |
| Participant deferral / active EE | $4,062 | $6,649-38.9% | $8,071-49.7% | $4,299-5.5% |
| Admin fee / account holder | $3,212 | $7,957-59.6% | $13,005-75.3% | $6,940-53.7% |