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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 | $146,200 | $111,535+31.1% | $105,223+38.9% | $137,256+6.5% |
| Participation rate | 66.7% | 78.1%-11.4pp | 75.0%-8.4pp | 80.0%-13.3pp |
| Annual return | 8.55% | 237.85%-229.3pp | 180.65%-172.1pp | 220.34%-211.8pp |
| Employer contribution / active EE | $4,010 | $3,939+1.8% | $3,689+8.7% | $4,156-3.5% |
| Participant deferral / active EE | $23,167 | $5,500+321.2% | $5,072+356.8% | $6,407+261.6% |
| Admin fee / account holder | $1,249 | $9,721-87.2% | $8,859-85.9% | $12,270-89.8% |