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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 | $139,704 | $72,486+92.7% | $87,103+60.4% | $72,976+91.4% |
| Participation rate | 61.8% | 72.8%-11.0pp | 76.9%-15.1pp | 69.5%-7.7pp |
| Annual return | 14.36% | 24.46%-10.1pp | 28.19%-13.8pp | 81.02%-66.7pp |
| Employer contribution / active EE | $1,902 | $1,894+0.4% | $2,521-24.6% | $2,440-22.1% |
| Participant deferral / active EE | $3,940 | $3,270+20.5% | $4,049-2.7% | $3,608+9.2% |
| Admin fee / account holder | $12,894 | $5,055+155.1% | $7,491+72.1% | $5,124+151.6% |