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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 | $142,339 | $73,978+92.4% | $96,515+47.5% | $75,173+89.3% |
| Participation rate | 51.6% | 66.4%-14.8pp | 74.3%-22.7pp | 67.2%-15.6pp |
| Annual return | 13.07% | 26.72%-13.6pp | 35.73%-22.7pp | 160.72%-147.6pp |
| Employer contribution / active EE | $1,365 | $2,931-53.4% | $3,740-63.5% | $2,671-48.9% |
| Participant deferral / active EE | $4,490 | $3,660+22.7% | $4,880-8.0% | $4,126+8.8% |
| Admin fee / account holder | $3,087 | $5,219-40.9% | $6,735-54.2% | $5,651-45.4% |