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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 | $188,228 | $159,978+17.7% | $147,041+28.0% | $145,978+28.9% |
| Participation rate | 54.2% | 84.0%-29.8pp | 82.2%-28.0pp | 80.3%-26.1pp |
| Annual return | 8.23% | 98.36%-90.1pp | 419.21%-411.0pp | 550.52%-542.3pp |
| Employer contribution / active EE | $2,454 | $5,288-53.6% | $4,935-50.3% | $4,662-47.4% |
| Participant deferral / active EE | $7,553 | $8,429-10.4% | $8,071-6.4% | $6,690+12.9% |
| Admin fee / account holder | $2,348 | $15,053-84.4% | $13,006-81.9% | $13,400-82.5% |