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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 | $94,146 | $65,361+44.0% | $92,903+1.3% | $72,983+29.0% |
| Participation rate | 25.7% | 68.3%-42.6pp | 76.0%-50.3pp | 69.5%-43.8pp |
| Annual return | 2.38% | 42.11%-39.7pp | 109.43%-107.1pp | 81.01%-78.6pp |
| Employer contribution / active EE | $1,512 | $2,594-41.7% | $3,653-58.6% | $2,440-38.0% |
| Participant deferral / active EE | $2,706 | $3,128-13.5% | $4,238-36.1% | $3,608-25.0% |
| Admin fee / account holder | $22,843 | $4,251+437.4% | $5,795+294.2% | $5,124+345.8% |