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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 | $161,811 | $81,504+98.5% | $102,437+58.0% | $80,959+99.9% |
| Participation rate | 51.5% | 66.9%-15.3pp | 74.5%-23.0pp | 67.7%-16.2pp |
| Annual return | 7.26% | 25.60%-18.3pp | 24.95%-17.7pp | 35.67%-28.4pp |
| Employer contribution / active EE | $2,605 | $3,104-16.1% | $3,871-32.7% | $2,757-5.5% |
| Participant deferral / active EE | $3,199 | $3,871-17.4% | $5,060-36.8% | $4,300-25.6% |
| Admin fee / account holder | $11,606 | $6,719+72.7% | $8,388+38.4% | $6,925+67.6% |