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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 | $124,414 | $101,795+22.2% | $165,100-24.6% | $80,959+53.7% |
| Participation rate | 10.0% | 71.8%-61.8pp | 78.6%-68.6pp | 67.7%-57.7pp |
| Annual return | 9.90% | 16.73%-6.8pp | 70.21%-60.3pp | 35.67%-25.8pp |
| Employer contribution / active EE | $5,955 | $2,954+101.6% | $4,348+37.0% | $2,757+116.0% |
| Participant deferral / active EE | $6,715 | $4,476+50.0% | $6,035+11.3% | $4,300+56.2% |
| Admin fee / account holder | $2,930 | $8,221-64.4% | $12,696-76.9% | $6,925-57.7% |