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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 | $182,026 | $58,099+213.3% | $76,872+136.8% | $75,173+142.1% |
| Participation rate | 59.3% | 63.9%-4.6pp | 69.6%-10.3pp | 67.2%-7.9pp |
| Annual return | 12.91% | 26.71%-13.8pp | 37.90%-25.0pp | 160.72%-147.8pp |
| Employer contribution / active EE | $2,207 | $1,996+10.6% | $2,533-12.9% | $2,671-17.4% |
| Participant deferral / active EE | $8,233 | $2,999+174.5% | $3,832+114.8% | $4,126+99.5% |
| Admin fee / account holder | $98,974 | $4,778+1971.6% | $5,476+1707.4% | $5,651+1651.6% |