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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 | $175,144 | $55,889+213.4% | $76,119+130.1% | $80,935+116.4% |
| Participation rate | 57.7% | 62.1%-4.4pp | 69.1%-11.4pp | 67.7%-10.0pp |
| Annual return | 8.72% | 20.58%-11.9pp | 361.25%-352.5pp | 35.66%-26.9pp |
| Employer contribution / active EE | $3,293 | $1,866+76.5% | $2,693+22.3% | $2,757+19.4% |
| Participant deferral / active EE | $8,273 | $3,051+171.1% | $4,259+94.2% | $4,299+92.4% |
| Admin fee / account holder | $35,052 | $5,241+568.7% | $6,421+445.9% | $6,924+406.2% |