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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 | $81,403+77.4% | $147,027-1.8% | $87,485+65.1% |
| Participation rate | 24.0% | 63.4%-39.4pp | 73.7%-49.7pp | 68.9%-44.9pp |
| Annual return | 5.13% | 16.51%-11.4pp | 20.23%-15.1pp | 26.06%-20.9pp |
| Employer contribution / active EE | $1,963 | $2,205-11.0% | $3,626-45.8% | $2,596-24.4% |
| Participant deferral / active EE | $4,021 | $3,315+21.3% | $4,933-18.5% | $4,274-5.9% |
| Admin fee / account holder | $2,126 | $6,755-68.5% | $12,223-82.6% | $7,775-72.7% |