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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 | $220,455 | $154,228+42.9% | $145,433+51.6% | $137,256+60.6% |
| Participation rate | 60.0% | 83.8%-23.8pp | 82.1%-22.1pp | 80.0%-20.0pp |
| Annual return | 4.64% | 74.59%-70.0pp | 66.58%-61.9pp | 220.34%-215.7pp |
| Employer contribution / active EE | $2,420 | $4,804-49.6% | $4,554-46.9% | $4,156-41.8% |
| Participant deferral / active EE | $7,497 | $8,216-8.8% | $7,897-5.1% | $6,407+17.0% |
| Admin fee / account holder | $536,461 | $14,344+3640.1% | $13,129+3986.1% | $12,270+4272.1% |