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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 | $142,989 | $73,988+93.3% | $96,538+48.1% | $75,177+90.2% |
| Participation rate | 57.6% | 66.4%-8.9pp | 74.3%-16.8pp | 67.2%-9.6pp |
| Annual return | 10.67% | 26.73%-16.1pp | 35.74%-25.1pp | 160.75%-150.1pp |
| Employer contribution / active EE | $2,278 | $2,930-22.3% | $3,740-39.1% | $2,671-14.7% |
| Participant deferral / active EE | $4,326 | $3,660+18.2% | $4,880-11.4% | $4,126+4.8% |
| Admin fee / account holder | $4,296 | $5,220-17.7% | $6,737-36.2% | $5,651-24.0% |