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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 | $162,913 | $110,212+47.8% | $96,534+68.8% | $139,466+16.8% |
| Participation rate | 25.0% | 78.1%-53.1pp | 76.0%-51.0pp | 80.3%-55.3pp |
| Annual return | 4.65% | 26.42%-21.8pp | 25.88%-21.2pp | 373.66%-369.0pp |
| Employer contribution / active EE | $1,489 | $3,620-58.9% | $2,965-49.8% | $4,754-68.7% |
| Participant deferral / active EE | $5,480 | $5,547-1.2% | $4,851+13.0% | $6,712-18.4% |
| Admin fee / account holder | $8,566 | $11,599-26.1% | $8,253+3.8% | $11,409-24.9% |