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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 | $107,809+14.9% | $97,032+27.6% | $155,188-20.2% |
| Participation rate | 53.8% | 75.5%-21.6pp | 71.6%-17.7pp | 80.8%-27.0pp |
| Annual return | 4.12% | 38.06%-33.9pp | 35.38%-31.3pp | 148.84%-144.7pp |
| Employer contribution / active EE | $2,231 | $2,911-23.4% | $2,629-15.2% | $4,248-47.5% |
| Participant deferral / active EE | $4,353 | $5,129-15.1% | $4,672-6.8% | $6,531-33.4% |
| Admin fee / account holder | $22,544 | $10,717+110.4% | $9,418+139.4% | $14,480+55.7% |