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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 | $130,362 | $58,099+124.4% | $76,902+69.5% | $75,177+73.4% |
| Participation rate | 62.5% | 63.9%-1.4pp | 69.6%-7.1pp | 67.2%-4.7pp |
| Annual return | 12.24% | 26.71%-14.5pp | 37.91%-25.7pp | 160.75%-148.5pp |
| Employer contribution / active EE | $4,695 | $1,996+135.3% | $2,534+85.3% | $2,671+75.8% |
| Participant deferral / active EE | $0 | $2,999-100.0% | $3,833-100.0% | $4,126-100.0% |
| Admin fee / account holder | $19,735 | $4,778+313.1% | $5,479+260.2% | $5,651+249.2% |