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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 | $137,694 | $109,411+25.9% | $89,435+54.0% | $158,982-13.4% |
| Participation rate | 63.2% | 74.3%-11.1pp | 68.0%-4.8pp | 82.0%-18.8pp |
| Annual return | 3.22% | 345.68%-342.5pp | 245.55%-242.3pp | 302.99%-299.8pp |
| Employer contribution / active EE | $2,440 | $3,173-23.1% | $2,587-5.7% | $4,763-48.8% |
| Participant deferral / active EE | $4,661 | $4,600+1.3% | $3,890+19.8% | $5,983-22.1% |
| Admin fee / account holder | $1,293 | $6,159-79.0% | $4,884-73.5% | $11,252-88.5% |