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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 | $101,406 | $65,306+55.3% | $116,538-13.0% | $65,306+55.3% |
| Participation rate | 64.3% | 57.7%+6.7pp | 82.6%-18.2pp | 57.7%+6.7pp |
| Annual return | 3.27% | 21.94%-18.7pp | 17.97%-14.7pp | 21.94%-18.7pp |
| Employer contribution / active EE | $1,576 | $1,967-19.9% | $4,541-65.3% | $1,967-19.9% |
| Participant deferral / active EE | $5,683 | $2,959+92.0% | $6,207-8.5% | $2,959+92.0% |
| Admin fee / account holder | $5,549 | $3,480+59.4% | $8,737-36.5% | $3,480+59.4% |