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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 | $187,201 | $106,749+75.4% | $145,433+28.7% | $82,448+127.1% |
| Participation rate | 48.4% | 75.6%-27.3pp | 82.1%-33.7pp | 68.1%-19.7pp |
| Annual return | 12.80% | 27.59%-14.8pp | 66.58%-53.8pp | 41.64%-28.8pp |
| Employer contribution / active EE | $1,422 | $3,444-58.7% | $4,554-68.8% | $2,551-44.2% |
| Participant deferral / active EE | $3,107 | $6,519-52.3% | $7,897-60.7% | $4,139-24.9% |
| Admin fee / account holder | $1,030 | $8,390-87.7% | $13,129-92.2% | $7,234-85.8% |