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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 | $216,747 | $167,533+29.4% | $151,645+42.9% | $134,545+61.1% |
| Participation rate | 52.6% | 88.4%-35.7pp | 87.5%-34.9pp | 81.2%-28.6pp |
| Annual return | -22.13% | 7.81%-29.9pp | 3.34%-25.5pp | 418.37%-440.5pp |
| Employer contribution / active EE | $2,468 | $6,828-63.9% | $6,165-60.0% | $4,742-47.9% |
| Participant deferral / active EE | $5,409 | $8,985-39.8% | $8,363-35.3% | $6,401-15.5% |
| Admin fee / account holder | $15,618 | $13,781+13.3% | $11,614+34.5% | $11,431+36.6% |