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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 | $160,028+17.6% | $147,080+28.0% | $145,884+29.0% |
| Participation rate | 54.2% | 84.0%-29.9pp | 82.2%-28.0pp | 80.3%-26.1pp |
| Annual return | 8.23% | 98.60%-90.4pp | 420.17%-411.9pp | 551.85%-543.6pp |
| Employer contribution / active EE | $2,454 | $5,286-53.6% | $4,933-50.3% | $4,662-47.4% |
| Participant deferral / active EE | $7,553 | $8,422-10.3% | $8,066-6.4% | $6,690+12.9% |
| Admin fee / account holder | $2,348 | $15,030-84.4% | $12,989-81.9% | $13,392-82.5% |