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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 | $234,131 | $99,994+134.1% | $146,643+59.7% | $85,847+172.7% |
| Participation rate | 68.0% | 73.1%-5.1pp | 80.1%-12.1pp | 69.3%-1.3pp |
| Annual return | 10.33% | 18.93%-8.6pp | 22.75%-12.4pp | 318.61%-308.3pp |
| Employer contribution / active EE | $4,379 | $2,559+71.1% | $4,137+5.9% | $2,565+70.7% |
| Participant deferral / active EE | $7,501 | $4,006+87.2% | $5,506+36.2% | $3,952+89.8% |
| Admin fee / account holder | $74,558 | $7,703+867.9% | $10,280+625.3% | $6,261+1090.9% |