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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 | $124,293 | $89,367+39.1% | $141,191-12.0% | $72,975+70.3% |
| Participation rate | 49.2% | 75.1%-26.0pp | 82.5%-33.3pp | 69.5%-20.3pp |
| Annual return | 17.91% | 111.87%-94.0pp | 71.41%-53.5pp | 81.01%-63.1pp |
| Employer contribution / active EE | $2,459 | $3,115-21.1% | $4,736-48.1% | $2,440+0.8% |
| Participant deferral / active EE | $5,194 | $5,419-4.1% | $6,710-22.6% | $3,608+44.0% |
| Admin fee / account holder | $21,503 | $5,957+261.0% | $10,264+109.5% | $5,124+319.6% |