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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 | $122,746 | $106,864+14.9% | $147,318-16.7% | $82,637+48.5% |
| Participation rate | 34.6% | 75.5%-40.9pp | 82.1%-47.4pp | 68.1%-33.4pp |
| Annual return | 11.97% | 27.49%-15.5pp | 70.43%-58.5pp | 53.51%-41.5pp |
| Employer contribution / active EE | $1,699 | $3,417-50.3% | $4,593-63.0% | $2,552-33.4% |
| Participant deferral / active EE | $3,399 | $6,496-47.7% | $7,906-57.0% | $4,126-17.6% |
| Admin fee / account holder | $1,353 | $8,415-83.9% | $13,708-90.1% | $7,339-81.6% |