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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 | $245,724 | $162,529+51.2% | $130,788+87.9% | $154,746+58.8% |
| Participation rate | 66.7% | 75.9%-9.2pp | 70.1%-3.4pp | 80.7%-14.0pp |
| Annual return | 4.20% | 510.48%-506.3pp | 386.44%-382.2pp | 172.34%-168.1pp |
| Employer contribution / active EE | $1,990 | $4,447-55.3% | $3,558-44.1% | $4,379-54.6% |
| Participant deferral / active EE | $10,033 | $4,808+108.7% | $4,137+142.5% | $6,730+49.1% |
| Admin fee / account holder | $1,013 | $7,669-86.8% | $6,673-84.8% | $14,365-92.9% |