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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 | $114,296 | $54,541+109.6% | $78,778+45.1% | $70,126+63.0% |
| Participation rate | 57.7% | 60.8%-3.1pp | 69.2%-11.5pp | 69.5%-11.8pp |
| Annual return | 7.61% | 21.07%-13.5pp | 35.62%-28.0pp | 73.15%-65.5pp |
| Employer contribution / active EE | $1,686 | $1,089+54.9% | $1,986-15.1% | $2,343-28.0% |
| Participant deferral / active EE | $3,259 | $2,210+47.4% | $2,958+10.2% | $3,332-2.2% |
| Admin fee / account holder | $1,307 | $3,709-64.8% | $5,134-74.5% | $4,645-71.9% |