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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 | $130,591 | $57,990+125.2% | $76,284+71.2% | $80,874+61.5% |
| Participation rate | 69.7% | 73.7%-4.0pp | 79.2%-9.5pp | 67.6%+2.0pp |
| Annual return | 8.15% | 15.89%-7.7pp | 13.77%-5.6pp | 35.62%-27.5pp |
| Employer contribution / active EE | $3,185 | $3,565-10.6% | $4,585-30.5% | $2,756+15.6% |
| Participant deferral / active EE | $2,453 | $3,814-35.7% | $5,478-55.2% | $4,297-42.9% |
| Admin fee / account holder | $32,567 | $5,668+474.5% | $5,131+534.7% | $6,935+369.6% |