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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 | $140,267 | $81,358+72.4% | $155,556-9.8% | $80,959+73.3% |
| Participation rate | 54.1% | 66.3%-12.2pp | 78.2%-24.2pp | 67.7%-13.6pp |
| Annual return | 9.03% | 33.39%-24.4pp | 64.84%-55.8pp | 35.67%-26.6pp |
| Employer contribution / active EE | $1,136 | $3,106-63.4% | $4,675-75.7% | $2,757-58.8% |
| Participant deferral / active EE | $4,448 | $3,455+28.7% | $5,631-21.0% | $4,300+3.4% |
| Admin fee / account holder | $6,285 | $7,994-21.4% | $15,885-60.4% | $6,925-9.3% |