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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 | $123,827 | $97,125+27.5% | $86,233+43.6% | $137,256-9.8% |
| Participation rate | 53.8% | 74.2%-20.4pp | 69.0%-15.2pp | 80.0%-26.1pp |
| Annual return | 4.12% | 74.19%-70.1pp | 61.39%-57.3pp | 220.34%-216.2pp |
| Employer contribution / active EE | $2,231 | $2,841-21.5% | $2,504-10.9% | $4,156-46.3% |
| Participant deferral / active EE | $4,353 | $5,180-16.0% | $4,559-4.5% | $6,407-32.1% |
| Admin fee / account holder | $22,544 | $9,725+131.8% | $8,342+170.2% | $12,270+83.7% |