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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 | $144,441 | $87,180+65.7% | $173,703-16.8% | $94,015+53.6% |
| Participation rate | 24.0% | 65.6%-41.6pp | 75.9%-51.9pp | 70.8%-46.8pp |
| Annual return | 5.13% | 14.17%-9.0pp | 17.46%-12.3pp | 17.84%-12.7pp |
| Employer contribution / active EE | $1,963 | $2,494-21.3% | $4,288-54.2% | $2,790-29.6% |
| Participant deferral / active EE | $4,021 | $3,343+20.3% | $4,854-17.2% | $4,249-5.4% |
| Admin fee / account holder | $2,126 | $7,506-71.7% | $15,562-86.3% | $8,951-76.2% |