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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 | $115,702 | $88,672+30.5% | $105,223+10.0% | $82,448+40.3% |
| Participation rate | 53.1% | 67.9%-14.8pp | 75.0%-21.9pp | 68.1%-14.9pp |
| Annual return | 8.27% | 30.86%-22.6pp | 180.65%-172.4pp | 41.64%-33.4pp |
| Employer contribution / active EE | $1,657 | $3,048-45.7% | $3,689-55.1% | $2,551-35.1% |
| Participant deferral / active EE | $6,334 | $4,036+56.9% | $5,072+24.9% | $4,139+53.0% |
| Admin fee / account holder | $32,912 | $7,146+360.6% | $8,859+271.5% | $7,234+354.9% |