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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 | $108,315 | $81,457+33.0% | $103,378+4.8% | $80,911+33.9% |
| Participation rate | 53.3% | 66.8%-13.5pp | 74.5%-21.2pp | 67.6%-14.3pp |
| Annual return | 9.73% | 25.58%-15.8pp | 24.91%-15.2pp | 35.63%-25.9pp |
| Employer contribution / active EE | $1,608 | $3,107-48.3% | $3,870-58.5% | $2,756-41.7% |
| Participant deferral / active EE | $3,111 | $3,871-19.6% | $5,058-38.5% | $4,297-27.6% |
| Admin fee / account holder | $38,922 | $6,717+479.5% | $8,401+363.3% | $6,935+461.3% |