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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 | $145,203 | $78,423+85.2% | $95,964+51.3% | $79,856+81.8% |
| Participation rate | 63.8% | 73.5%-9.7pp | 77.1%-13.3pp | 69.6%-5.8pp |
| Annual return | 8.86% | 19.37%-10.5pp | 91.64%-82.8pp | 31.71%-22.9pp |
| Employer contribution / active EE | $2,207 | $1,945+13.4% | $2,541-13.2% | $2,471-10.7% |
| Participant deferral / active EE | $4,726 | $3,440+37.4% | $4,167+13.4% | $3,741+26.3% |
| Admin fee / account holder | $7,322 | $5,622+30.2% | $6,797+7.7% | $5,306+38.0% |