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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 | $103,215 | $86,940+18.7% | $102,434+0.8% | $80,935+27.5% |
| Participation rate | 45.0% | 72.4%-27.4pp | 76.5%-31.5pp | 67.7%-22.7pp |
| Annual return | 8.76% | 18.89%-10.1pp | 29.46%-20.7pp | 35.66%-26.9pp |
| Employer contribution / active EE | $1,547 | $2,370-34.7% | $3,023-48.8% | $2,757-43.9% |
| Participant deferral / active EE | $3,459 | $4,121-16.1% | $5,055-31.6% | $4,299-19.5% |
| Admin fee / account holder | $5,159 | $8,047-35.9% | $9,462-45.5% | $6,924-25.5% |