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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 | $128,258 | $78,520+63.3% | $96,576+32.8% | $82,448+55.6% |
| Participation rate | 69.8% | 77.7%-7.9pp | 81.4%-11.6pp | 68.1%+1.7pp |
| Annual return | 13.34% | 41.30%-28.0pp | 38.47%-25.1pp | 41.64%-28.3pp |
| Employer contribution / active EE | $1,282 | $2,630-51.2% | $3,553-63.9% | $2,551-49.7% |
| Participant deferral / active EE | $5,865 | $6,754-13.2% | $7,956-26.3% | $4,139+41.7% |
| Admin fee / account holder | $5,272 | $13,455-60.8% | $11,381-53.7% | $7,234-27.1% |