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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 | $101,737 | $79,955+27.2% | $98,461+3.3% | $75,173+35.3% |
| Participation rate | 67.3% | 70.4%-3.0pp | 75.2%-7.8pp | 67.2%+0.1pp |
| Annual return | 12.48% | 19.75%-7.3pp | 21.17%-8.7pp | 160.72%-148.2pp |
| Employer contribution / active EE | $1,237 | $2,264-45.4% | $3,049-59.4% | $2,671-53.7% |
| Participant deferral / active EE | $4,234 | $3,752+12.8% | $4,738-10.6% | $4,126+2.6% |
| Admin fee / account holder | $28,807 | $6,841+321.1% | $8,961+221.5% | $5,651+409.8% |