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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 | $137,658 | $101,763+35.3% | $164,866-16.5% | $80,874+70.2% |
| Participation rate | 56.3% | 71.8%-15.5pp | 78.6%-22.3pp | 67.6%-11.3pp |
| Annual return | 9.15% | 16.73%-7.6pp | 69.97%-60.8pp | 35.62%-26.5pp |
| Employer contribution / active EE | $3,262 | $2,954+10.4% | $4,343-24.9% | $2,756+18.4% |
| Participant deferral / active EE | $4,283 | $4,477-4.3% | $6,033-29.0% | $4,297-0.3% |
| Admin fee / account holder | $44,490 | $8,228+440.7% | $12,689+250.6% | $6,935+541.5% |