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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 | $140,999 | $106,280+32.7% | $96,538+46.1% | $139,487+1.1% |
| Participation rate | 41.2% | 77.8%-36.7pp | 74.3%-33.2pp | 80.3%-39.2pp |
| Annual return | 4.59% | 38.48%-33.9pp | 35.74%-31.1pp | 373.84%-369.3pp |
| Employer contribution / active EE | $1,977 | $4,107-51.9% | $3,740-47.1% | $4,755-58.4% |
| Participant deferral / active EE | $3,945 | $5,457-27.7% | $4,880-19.2% | $6,713-41.2% |
| Admin fee / account holder | $3,011 | $7,888-61.8% | $6,737-55.3% | $11,407-73.6% |