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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 | $113,956 | $81,504+39.8% | $102,437+11.2% | $80,959+40.8% |
| Participation rate | 50.0% | 66.9%-16.9pp | 74.5%-24.5pp | 67.7%-17.7pp |
| Annual return | 5.71% | 25.60%-19.9pp | 24.95%-19.2pp | 35.67%-30.0pp |
| Employer contribution / active EE | $1,437 | $3,104-53.7% | $3,871-62.9% | $2,757-47.9% |
| Participant deferral / active EE | $5,484 | $3,871+41.7% | $5,060+8.4% | $4,300+27.5% |
| Admin fee / account holder | $18,835 | $6,719+180.3% | $8,388+124.5% | $6,925+172.0% |