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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 | $56,063+212.4% | $76,051+130.3% | $80,911+116.5% |
| Participation rate | 57.7% | 62.0%-4.3pp | 69.1%-11.4pp | 67.6%-10.0pp |
| Annual return | 8.72% | 20.54%-11.8pp | 360.42%-351.7pp | 35.63%-26.9pp |
| Employer contribution / active EE | $3,293 | $1,874+75.7% | $2,690+22.4% | $2,756+19.5% |
| Participant deferral / active EE | $8,273 | $3,052+171.0% | $4,257+94.3% | $4,297+92.5% |
| Admin fee / account holder | $35,052 | $5,240+569.0% | $6,416+446.3% | $6,935+405.5% |