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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 | $117,801 | $72,492+62.5% | $87,104+35.2% | $72,975+61.4% |
| Participation rate | 54.8% | 72.8%-18.0pp | 76.9%-22.0pp | 69.5%-14.7pp |
| Annual return | 5.01% | 24.46%-19.4pp | 28.19%-23.2pp | 81.01%-76.0pp |
| Employer contribution / active EE | $2,884 | $1,894+52.3% | $2,521+14.4% | $2,440+18.2% |
| Participant deferral / active EE | $6,078 | $3,270+85.9% | $4,048+50.1% | $3,608+68.5% |
| Admin fee / account holder | $26,065 | $5,055+415.6% | $7,491+248.0% | $5,124+408.7% |