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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 | $57,969+125.3% | $76,327+71.1% | $80,935+61.4% |
| Participation rate | 69.7% | 73.7%-4.0pp | 79.2%-9.5pp | 67.7%+2.0pp |
| Annual return | 8.15% | 15.90%-7.8pp | 13.79%-5.6pp | 35.66%-27.5pp |
| Employer contribution / active EE | $3,185 | $3,570-10.8% | $4,584-30.5% | $2,757+15.5% |
| Participant deferral / active EE | $2,453 | $3,814-35.7% | $5,478-55.2% | $4,299-43.0% |
| Admin fee / account holder | $32,567 | $5,670+474.4% | $5,139+533.7% | $6,924+370.3% |