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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 | $95,453+116.1% | $112,040+84.1% | $82,448+150.2% |
| Participation rate | 65.0% | 72.8%-7.8pp | 76.5%-11.5pp | 68.1%-3.1pp |
| Annual return | 10.69% | 23.92%-13.2pp | 24.52%-13.8pp | 41.64%-31.0pp |
| Employer contribution / active EE | $2,577 | $2,318+11.2% | $2,954-12.8% | $2,551+1.0% |
| Participant deferral / active EE | $5,935 | $4,224+40.5% | $5,098+16.4% | $4,139+43.4% |
| Admin fee / account holder | $30,424 | $9,013+237.5% | $12,098+151.5% | $7,234+320.5% |