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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 | $122,872 | $67,411+82.3% | $91,004+35.0% | $70,126+75.2% |
| Participation rate | 56.6% | 71.4%-14.8pp | 75.6%-19.0pp | 69.5%-13.0pp |
| Annual return | 11.01% | -40.16%+51.2pp | 4.60%+6.4pp | 73.15%-62.1pp |
| Employer contribution / active EE | $509 | $1,786-71.5% | $2,456-79.3% | $2,343-78.3% |
| Participant deferral / active EE | $5,093 | $2,823+80.4% | $3,548+43.6% | $3,332+52.9% |
| Admin fee / account holder | $6,839 | $4,236+61.4% | $5,417+26.2% | $4,645+47.2% |