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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 | $118,949 | $91,474+30.0% | $135,982-12.5% | $71,529+66.3% |
| Participation rate | 53.5% | 75.7%-22.2pp | 81.9%-28.5pp | 67.9%-14.5pp |
| Annual return | 15.00% | 29.89%-14.9pp | 68.32%-53.3pp | 28.97%-14.0pp |
| Employer contribution / active EE | $2,651 | $3,705-28.5% | $4,859-45.4% | $2,590+2.4% |
| Participant deferral / active EE | $4,615 | $7,095-35.0% | $7,760-40.5% | $4,291+7.5% |
| Admin fee / account holder | $2,265 | $1,267+78.7% | $10,767-79.0% | $1,588+42.6% |