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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 | $60,442+107.0% | $96,754+29.3% | $87,485+43.0% |
| Participation rate | 53.1% | 58.7%-5.6pp | 70.3%-17.1pp | 68.9%-15.8pp |
| Annual return | 12.46% | 21.97%-9.5pp | 82.04%-69.6pp | 26.06%-13.6pp |
| Employer contribution / active EE | $1,573 | $1,691-7.0% | $2,679-41.3% | $2,596-39.4% |
| Participant deferral / active EE | $4,697 | $3,280+43.2% | $4,758-1.3% | $4,274+9.9% |
| Admin fee / account holder | $14,531 | $5,069+186.6% | $8,905+63.2% | $7,775+86.9% |