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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 | $143,453 | $59,440+141.3% | $70,160+104.5% | $75,177+90.8% |
| Participation rate | 66.7% | 71.6%-5.0pp | 78.8%-12.2pp | 67.2%-0.5pp |
| Annual return | 12.61% | 18.53%-5.9pp | 19.08%-6.5pp | 160.75%-148.1pp |
| Employer contribution / active EE | $3,197 | $3,307-3.3% | $4,285-25.4% | $2,671+19.7% |
| Participant deferral / active EE | $2,306 | $3,653-36.9% | $5,394-57.2% | $4,126-44.1% |
| Admin fee / account holder | $6,228 | $4,401+41.5% | $4,582+35.9% | $5,651+10.2% |