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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 | $132,409 | $88,042+50.4% | $138,135-4.1% | $79,856+65.8% |
| Participation rate | 41.4% | 71.4%-30.0pp | 78.7%-37.3pp | 69.6%-28.3pp |
| Annual return | 9.99% | 20.58%-10.6pp | 20.51%-10.5pp | 31.71%-21.7pp |
| Employer contribution / active EE | $3,680 | $3,103+18.6% | $5,587-34.1% | $2,471+48.9% |
| Participant deferral / active EE | $3,533 | $4,704-24.9% | $6,431-45.1% | $3,741-5.5% |
| Admin fee / account holder | $29,058 | $7,791+273.0% | $11,856+145.1% | $5,306+447.6% |