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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 | $221,807 | $106,749+107.8% | $145,433+52.5% | $82,448+169.0% |
| Participation rate | 69.9% | 75.6%-5.8pp | 82.1%-12.3pp | 68.1%+1.8pp |
| Annual return | 12.41% | 27.59%-15.2pp | 66.58%-54.2pp | 41.64%-29.2pp |
| Employer contribution / active EE | $1,141 | $3,444-66.9% | $4,554-74.9% | $2,551-55.3% |
| Participant deferral / active EE | $10,213 | $6,519+56.7% | $7,897+29.3% | $4,139+146.7% |
| Admin fee / account holder | $44,311 | $8,390+428.1% | $13,129+237.5% | $7,234+512.5% |