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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 | $180,982 | $88,672+104.1% | $105,223+72.0% | $82,448+119.5% |
| Participation rate | 66.7% | 67.9%-1.3pp | 75.0%-8.4pp | 68.1%-1.4pp |
| Annual return | 10.38% | 30.86%-20.5pp | 180.65%-170.3pp | 41.64%-31.3pp |
| Employer contribution / active EE | $2,275 | $3,048-25.3% | $3,689-38.3% | $2,551-10.8% |
| Participant deferral / active EE | $4,926 | $4,036+22.0% | $5,072-2.9% | $4,139+19.0% |
| Admin fee / account holder | $26,254 | $7,146+267.4% | $8,859+196.4% | $7,234+262.9% |