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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 | $75,485 | $51,166+47.5% | $70,544+7.0% | $71,511+5.6% |
| Participation rate | 46.4% | 59.4%-13.0pp | 68.4%-22.0pp | 67.9%-21.5pp |
| Annual return | 10.13% | 42.71%-32.6pp | 32.79%-22.7pp | 28.86%-18.7pp |
| Employer contribution / active EE | $4,146 | $1,793+131.1% | $2,976+39.3% | $2,589+60.1% |
| Participant deferral / active EE | $1,076 | $3,031-64.5% | $4,568-76.4% | $4,291-74.9% |
| Admin fee / account holder | $8,619 | $2,000+331.0% | $6,427+34.1% | $1,588+442.6% |