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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 | $224,882 | $97,751+130.1% | $103,447+117.4% | $145,877+54.2% |
| Participation rate | 61.9% | 81.1%-19.2pp | 80.5%-18.6pp | 80.3%-18.4pp |
| Annual return | 9.16% | 25.43%-16.3pp | 23.92%-14.8pp | 551.28%-542.1pp |
| Employer contribution / active EE | $1,707 | $4,684-63.5% | $4,678-63.5% | $4,663-63.4% |
| Participant deferral / active EE | $5,025 | $6,603-23.9% | $6,624-24.1% | $6,691-24.9% |
| Admin fee / account holder | $14,925 | $12,515+19.3% | $9,415+58.5% | $13,402+11.4% |