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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 | $149,017 | $84,685+76.0% | $142,942+4.2% | $67,986+119.2% |
| Participation rate | 54.0% | 61.4%-7.4pp | 76.8%-22.8pp | 57.2%-3.2pp |
| Annual return | 13.36% | 35.89%-22.5pp | 113.70%-100.3pp | 31.67%-18.3pp |
| Employer contribution / active EE | $2,604 | $2,263+15.0% | $4,139-37.1% | $2,019+29.0% |
| Participant deferral / active EE | $5,930 | $3,832+54.7% | $7,128-16.8% | $3,358+76.6% |
| Admin fee / account holder | $5,376 | $3,229+66.5% | $12,475-56.9% | $3,203+67.8% |