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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 | $158,905 | $81,487+95.0% | $102,412+55.2% | $80,935+96.3% |
| Participation rate | 60.0% | 66.8%-6.8pp | 74.5%-14.5pp | 67.7%-7.7pp |
| Annual return | 8.81% | 25.60%-16.8pp | 24.94%-16.1pp | 35.66%-26.8pp |
| Employer contribution / active EE | $1,752 | $3,103-43.5% | $3,870-54.7% | $2,757-36.4% |
| Participant deferral / active EE | $2,686 | $3,871-30.6% | $5,060-46.9% | $4,299-37.5% |
| Admin fee / account holder | $65,103 | $6,717+869.2% | $8,388+676.2% | $6,924+840.2% |