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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 | $193,448 | $95,453+102.7% | $112,040+72.7% | $82,448+134.6% |
| Participation rate | 58.1% | 72.8%-14.6pp | 76.5%-18.4pp | 68.1%-9.9pp |
| Annual return | 8.13% | 23.92%-15.8pp | 24.52%-16.4pp | 41.64%-33.5pp |
| Employer contribution / active EE | $1,713 | $2,318-26.1% | $2,954-42.0% | $2,551-32.8% |
| Participant deferral / active EE | $2,535 | $4,224-40.0% | $5,098-50.3% | $4,139-38.7% |
| Admin fee / account holder | $2,830 | $9,013-68.6% | $12,098-76.6% | $7,234-60.9% |