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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 | $192,610 | $124,330+54.9% | $109,173+76.4% | $167,536+15.0% |
| Participation rate | 44.4% | 79.5%-35.0pp | 75.9%-31.4pp | 82.1%-37.7pp |
| Annual return | 9.48% | 26.04%-16.6pp | 25.75%-16.3pp | 478.82%-469.3pp |
| Employer contribution / active EE | $1,092 | $4,209-74.1% | $3,723-70.7% | $4,839-77.4% |
| Participant deferral / active EE | $2,895 | $5,256-44.9% | $4,654-37.8% | $6,342-54.4% |
| Admin fee / account holder | $13,114 | $7,974+64.5% | $6,755+94.1% | $12,315+6.5% |