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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 | $206,316 | $97,550+111.5% | $120,344+71.4% | $87,485+135.8% |
| Participation rate | 65.0% | 72.8%-7.8pp | 76.7%-11.7pp | 68.9%-3.9pp |
| Annual return | 10.69% | 18.41%-7.7pp | 20.30%-9.6pp | 26.06%-15.4pp |
| Employer contribution / active EE | $2,577 | $2,291+12.5% | $3,020-14.7% | $2,596-0.8% |
| Participant deferral / active EE | $5,935 | $4,230+40.3% | $5,135+15.6% | $4,274+38.9% |
| Admin fee / account holder | $30,424 | $9,543+218.8% | $12,742+138.8% | $7,775+291.3% |