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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 | $110,337+64.6% | $102,383+77.4% | $145,877+24.5% |
| Participation rate | 64.3% | 77.9%-13.7pp | 74.5%-10.2pp | 80.3%-16.0pp |
| Annual return | 6.93% | 24.83%-17.9pp | 24.94%-18.0pp | 551.28%-544.4pp |
| Employer contribution / active EE | $10,746 | $4,216+154.9% | $3,870+177.7% | $4,663+130.5% |
| Participant deferral / active EE | $5,052 | $5,621-10.1% | $5,060-0.2% | $6,691-24.5% |
| Admin fee / account holder | $181,986 | $9,750+1766.6% | $8,391+2068.7% | $13,402+1257.9% |