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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 | $125,092 | $57,590+117.2% | $86,233+45.1% | $82,448+51.7% |
| Participation rate | 53.1% | 57.9%-4.7pp | 69.0%-15.9pp | 68.1%-14.9pp |
| Annual return | 12.46% | 22.41%-10.0pp | 61.39%-48.9pp | 41.64%-29.2pp |
| Employer contribution / active EE | $1,573 | $1,655-5.0% | $2,504-37.2% | $2,551-38.3% |
| Participant deferral / active EE | $4,697 | $3,080+52.5% | $4,559+3.0% | $4,139+13.5% |
| Admin fee / account holder | $14,531 | $4,730+207.2% | $8,342+74.2% | $7,234+100.9% |