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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 | $108,941 | $201,259-45.9% | $184,200-40.9% | $145,959-25.4% |
| Participation rate | 12.5% | 87.5%-75.0pp | 86.8%-74.3pp | 80.3%-67.8pp |
| Annual return | 2.56% | 28.98%-26.4pp | 28.80%-26.2pp | 561.95%-559.4pp |
| Employer contribution / active EE | $9,748 | $7,018+38.9% | $6,424+51.7% | $4,661+109.1% |
| Participant deferral / active EE | $5,692 | $9,806-42.0% | $9,132-37.7% | $6,689-14.9% |
| Admin fee / account holder | $2,876 | $16,372-82.4% | $13,907-79.3% | $13,398-78.5% |