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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 | $125,210 | $76,551+63.6% | $123,894+1.1% | $62,881+99.1% |
| Participation rate | 63.8% | 73.0%-9.2pp | 81.4%-17.6pp | 69.3%-5.5pp |
| Annual return | 5.49% | 18.68%-13.2pp | 47.52%-42.0pp | 20.14%-14.7pp |
| Employer contribution / active EE | $1,561 | $2,882-45.8% | $4,617-66.2% | $2,281-31.6% |
| Participant deferral / active EE | $4,687 | $4,840-3.2% | $5,984-21.7% | $3,203+46.3% |
| Admin fee / account holder | $4,981 | $4,826+3.2% | $8,357-40.4% | $4,296+16.0% |