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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 | $81,846 | $49,239+66.2% | $70,462+16.2% | $79,858+2.5% |
| Participation rate | 56.1% | 69.2%-13.0pp | 75.1%-18.9pp | 69.6%-13.5pp |
| Annual return | -14.21% | 30.08%-44.3pp | 109.08%-123.3pp | 31.72%-45.9pp |
| Employer contribution / active EE | $4,466 | $2,100+112.7% | $2,737+63.1% | $2,471+80.7% |
| Participant deferral / active EE | $9,065 | $2,769+227.4% | $3,710+144.4% | $3,740+142.4% |
| Admin fee / account holder | $3,497 | $2,876+21.6% | $3,845-9.1% | $5,306-34.1% |