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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 | $148,106 | $106,524+39.0% | $152,301-2.8% | $87,485+69.3% |
| Participation rate | 66.7% | 75.8%-9.1pp | 82.4%-15.8pp | 68.9%-2.3pp |
| Annual return | 13.05% | 26.89%-13.8pp | 80.50%-67.5pp | 26.06%-13.0pp |
| Employer contribution / active EE | $4,630 | $3,371+37.3% | $4,624+0.1% | $2,596+78.3% |
| Participant deferral / active EE | $8,079 | $6,525+23.8% | $8,004+0.9% | $4,274+89.1% |
| Admin fee / account holder | $6,470 | $8,287-21.9% | $14,398-55.1% | $7,775-16.8% |