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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 | $183,592+14.1% | $155,574+34.7% | $145,877+43.6% |
| Participation rate | 57.1% | 82.7%-25.6pp | 78.2%-21.1pp | 80.3%-23.2pp |
| Annual return | 6.55% | 61.37%-54.8pp | 64.87%-58.3pp | 551.28%-544.7pp |
| Employer contribution / active EE | $1,694 | $5,317-68.1% | $4,676-63.8% | $4,663-63.7% |
| Participant deferral / active EE | $6,610 | $6,466+2.2% | $5,629+17.4% | $6,691-1.2% |
| Admin fee / account holder | $641 | $19,316-96.7% | $15,914-96.0% | $13,402-95.2% |