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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 | $125,220 | $96,731+29.5% | $123,973+1.0% | $86,983+44.0% |
| Participation rate | 38.2% | 70.0%-31.8pp | 76.7%-38.5pp | 69.5%-31.4pp |
| Annual return | 9.16% | 17.33%-8.2pp | 388.13%-379.0pp | 25.83%-16.7pp |
| Employer contribution / active EE | $1,018 | $3,297-69.1% | $4,126-75.3% | $2,584-60.6% |
| Participant deferral / active EE | $2,555 | $4,152-38.5% | $5,247-51.3% | $4,194-39.1% |
| Admin fee / account holder | $18,971 | $8,722+117.5% | $11,799+60.8% | $7,856+141.5% |