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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 | $209,487 | $183,539+14.1% | $155,556+34.7% | $145,897+43.6% |
| Participation rate | 57.1% | 82.7%-25.6pp | 78.2%-21.1pp | 80.3%-23.2pp |
| Annual return | 6.55% | 61.31%-54.8pp | 64.84%-58.3pp | 552.29%-545.7pp |
| Employer contribution / active EE | $1,694 | $5,315-68.1% | $4,675-63.8% | $4,663-63.7% |
| Participant deferral / active EE | $6,610 | $6,467+2.2% | $5,631+17.4% | $6,689-1.2% |
| Admin fee / account holder | $641 | $19,275-96.7% | $15,885-96.0% | $13,390-95.2% |