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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 | $150,299 | $101,778+47.7% | $164,975-8.9% | $80,925+85.7% |
| Participation rate | 49.2% | 71.8%-22.7pp | 78.6%-29.4pp | 67.7%-18.5pp |
| Annual return | 7.60% | 16.73%-9.1pp | 70.12%-62.5pp | 35.65%-28.1pp |
| Employer contribution / active EE | $1,637 | $2,954-44.6% | $4,343-62.3% | $2,756-40.6% |
| Participant deferral / active EE | $3,362 | $4,477-24.9% | $6,033-44.3% | $4,299-21.8% |
| Admin fee / account holder | $34,071 | $8,221+314.4% | $12,688+168.5% | $6,940+390.9% |