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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 | $219,400 | $157,296+39.5% | $141,191+55.4% | $152,897+43.5% |
| Participation rate | 66.7% | 84.8%-18.2pp | 82.5%-15.8pp | 82.5%-15.8pp |
| Annual return | 12.97% | 64.34%-51.4pp | 71.41%-58.4pp | 345.43%-332.5pp |
| Employer contribution / active EE | $13,739 | $5,262+161.1% | $4,736+190.1% | $4,764+188.4% |
| Participant deferral / active EE | $8,584 | $7,111+20.7% | $6,710+27.9% | $5,851+46.7% |
| Admin fee / account holder | $9,482 | $12,125-21.8% | $10,264-7.6% | $11,599-18.3% |