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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 | $159,595 | $84,953+87.9% | $163,379-2.3% | $82,637+93.1% |
| Participation rate | 55.3% | 65.9%-10.6pp | 76.8%-21.5pp | 68.1%-12.7pp |
| Annual return | 10.20% | 23.07%-12.9pp | 63.41%-53.2pp | 53.51%-43.3pp |
| Employer contribution / active EE | $3,684 | $2,183+68.8% | $3,752-1.8% | $2,552+44.4% |
| Participant deferral / active EE | $7,772 | $4,326+79.6% | $6,282+23.7% | $4,126+88.4% |
| Admin fee / account holder | $35,528 | $7,921+348.5% | $9,818+261.9% | $7,339+384.1% |