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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 | $174,606 | $127,387+37.1% | $115,038+51.8% | $125,389+39.3% |
| Participation rate | 63.2% | 84.2%-21.0pp | 81.4%-18.2pp | 83.2%-20.0pp |
| Annual return | -6.18% | 31.28%-37.5pp | 26.14%-32.3pp | 282.24%-288.4pp |
| Employer contribution / active EE | $6,607 | $5,166+27.9% | $4,608+43.4% | $4,866+35.8% |
| Participant deferral / active EE | $9,888 | $6,423+53.9% | $6,026+64.1% | $5,352+84.8% |
| Admin fee / account holder | $977 | $9,516-89.7% | $8,175-88.1% | $9,541-89.8% |