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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 | $116,732 | $65,367+78.6% | $92,915+25.6% | $72,976+60.0% |
| Participation rate | 47.6% | 68.3%-20.7pp | 76.0%-28.4pp | 69.5%-21.9pp |
| Annual return | 10.96% | 42.11%-31.1pp | 109.45%-98.5pp | 81.02%-70.1pp |
| Employer contribution / active EE | $2,444 | $2,594-5.8% | $3,653-33.1% | $2,440+0.2% |
| Participant deferral / active EE | $4,550 | $3,128+45.4% | $4,238+7.4% | $3,608+26.1% |
| Admin fee / account holder | $19,919 | $4,251+368.5% | $5,796+243.7% | $5,124+288.7% |