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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 | $123,829 | $81,504+51.9% | $102,437+20.9% | $80,959+53.0% |
| Participation rate | 53.1% | 66.9%-13.7pp | 74.5%-21.4pp | 67.7%-14.5pp |
| Annual return | 6.34% | 25.60%-19.3pp | 24.95%-18.6pp | 35.67%-29.3pp |
| Employer contribution / active EE | $2,154 | $3,104-30.6% | $3,871-44.4% | $2,757-21.9% |
| Participant deferral / active EE | $4,301 | $3,871+11.1% | $5,060-15.0% | $4,3000% |
| Admin fee / account holder | $82,530 | $6,719+1128.2% | $8,388+883.9% | $6,925+1091.7% |