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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 | $121,972 | $48,364+152.2% | $71,796+69.9% | $62,881+94.0% |
| Participation rate | 69.7% | 60.6%+9.1pp | 69.1%+0.6pp | 69.3%+0.4pp |
| Annual return | 3.71% | 13.16%-9.4pp | 78.04%-74.3pp | 20.14%-16.4pp |
| Employer contribution / active EE | $538 | $1,042-48.4% | $1,924-72.1% | $2,281-76.4% |
| Participant deferral / active EE | $4,631 | $2,091+121.5% | $2,794+65.7% | $3,203+44.6% |
| Admin fee / account holder | $6,915 | $3,771+83.4% | $4,815+43.6% | $4,296+61.0% |