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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 | $114,826 | $91,179+25.9% | $178,499-35.7% | $79,852+43.8% |
| Participation rate | 65.1% | 69.2%-4.1pp | 81.9%-16.8pp | 69.6%-4.5pp |
| Annual return | 3.41% | 24.19%-20.8pp | 151.10%-147.7pp | 31.72%-28.3pp |
| Employer contribution / active EE | $5,334 | $3,256+63.8% | $5,011+6.4% | $2,471+115.9% |
| Participant deferral / active EE | $3,665 | $3,236+13.3% | $5,202-29.5% | $3,740-2.0% |
| Admin fee / account holder | $110,828 | $6,749+1542.3% | $13,986+692.4% | $5,306+1988.6% |