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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 | $179,102 | $86,940+106.0% | $102,434+74.8% | $80,935+121.3% |
| Participation rate | 64.9% | 72.4%-7.5pp | 76.5%-11.6pp | 67.7%-2.8pp |
| Annual return | 9.57% | 18.89%-9.3pp | 29.46%-19.9pp | 35.66%-26.1pp |
| Employer contribution / active EE | $2,881 | $2,370+21.6% | $3,023-4.7% | $2,757+4.5% |
| Participant deferral / active EE | $7,696 | $4,121+86.7% | $5,055+52.2% | $4,299+79.0% |
| Admin fee / account holder | $81,263 | $8,047+909.9% | $9,462+758.8% | $6,924+1073.6% |