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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 | $162,136+36.0% | $152,301+44.7% | $154,746+42.5% |
| Participation rate | 60.0% | 84.1%-24.1pp | 82.4%-22.4pp | 80.7%-20.7pp |
| Annual return | 4.64% | 91.02%-86.4pp | 80.50%-75.9pp | 172.34%-167.7pp |
| Employer contribution / active EE | $2,420 | $4,890-50.5% | $4,624-47.7% | $4,379-44.7% |
| Participant deferral / active EE | $7,497 | $8,341-10.1% | $8,004-6.3% | $6,730+11.4% |
| Admin fee / account holder | $536,461 | $15,759+3304.1% | $14,398+3626.0% | $14,365+3634.4% |