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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 | $153,638 | $106,749+43.9% | $145,433+5.6% | $82,448+86.3% |
| Participation rate | 65.7% | 75.6%-10.0pp | 82.1%-16.4pp | 68.1%-2.4pp |
| Annual return | 12.69% | 27.59%-14.9pp | 66.58%-53.9pp | 41.64%-29.0pp |
| Employer contribution / active EE | $2,718 | $3,444-21.1% | $4,554-40.3% | $2,551+6.5% |
| Participant deferral / active EE | $12,641 | $6,519+93.9% | $7,897+60.1% | $4,139+205.4% |
| Admin fee / account holder | $18,719 | $8,390+123.1% | $13,129+42.6% | $7,234+158.8% |