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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 | $95,404+116.3% | $113,397+81.9% | $82,637+149.7% |
| Participation rate | 65.0% | 72.8%-7.8pp | 76.5%-11.5pp | 68.1%-3.1pp |
| Annual return | 10.69% | 19.08%-8.4pp | 23.20%-12.5pp | 53.51%-42.8pp |
| Employer contribution / active EE | $2,577 | $2,307+11.7% | $2,977-13.5% | $2,552+1.0% |
| Participant deferral / active EE | $5,935 | $4,220+40.6% | $5,076+16.9% | $4,126+43.8% |
| Admin fee / account holder | $30,424 | $9,168+231.8% | $11,957+154.4% | $7,339+314.6% |