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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 | $97,550+98.3% | $120,344+60.7% | $87,485+121.1% |
| Participation rate | 58.1% | 72.8%-14.7pp | 76.7%-18.6pp | 68.9%-10.8pp |
| Annual return | 8.13% | 18.41%-10.3pp | 20.30%-12.2pp | 26.06%-17.9pp |
| Employer contribution / active EE | $1,713 | $2,291-25.2% | $3,020-43.3% | $2,596-34.0% |
| Participant deferral / active EE | $2,535 | $4,230-40.1% | $5,135-50.6% | $4,274-40.7% |
| Admin fee / account holder | $2,830 | $9,543-70.3% | $12,742-77.8% | $7,775-63.6% |