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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 | $181,591 | $111,814+62.4% | $103,374+75.7% | $145,959+24.4% |
| Participation rate | 64.3% | 77.9%-13.7pp | 74.5%-10.2pp | 80.3%-16.0pp |
| Annual return | 6.93% | 24.77%-17.8pp | 24.89%-18.0pp | 561.95%-555.0pp |
| Employer contribution / active EE | $10,746 | $4,214+155.0% | $3,869+177.7% | $4,661+130.6% |
| Participant deferral / active EE | $5,052 | $5,618-10.1% | $5,058-0.1% | $6,689-24.5% |
| Admin fee / account holder | $181,986 | $9,754+1765.7% | $8,394+2068.0% | $13,398+1258.3% |