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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 | $154,622 | $81,262+90.3% | $155,602-0.6% | $80,911+91.1% |
| Participation rate | 44.0% | 66.2%-22.2pp | 78.2%-34.2pp | 67.6%-23.6pp |
| Annual return | 10.37% | 33.34%-23.0pp | 64.81%-54.4pp | 35.63%-25.3pp |
| Employer contribution / active EE | $2,176 | $3,102-29.8% | $4,675-53.4% | $2,756-21.0% |
| Participant deferral / active EE | $2,621 | $3,451-24.1% | $5,629-53.4% | $4,297-39.0% |
| Admin fee / account holder | $65,713 | $7,992+722.3% | $15,923+312.7% | $6,935+847.6% |