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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 | $188,312 | $174,379+8.0% | $152,093+23.8% | $138,895+35.6% |
| Participation rate | 62.5% | 81.6%-19.1pp | 77.8%-15.3pp | 79.9%-17.4pp |
| Annual return | 0.41% | 74.86%-74.4pp | 66.36%-65.9pp | 145.39%-145.0pp |
| Employer contribution / active EE | $7,163 | $4,652+54.0% | $4,175+71.6% | $4,194+70.8% |
| Participant deferral / active EE | $4,000 | $6,159-35.1% | $5,451-26.6% | $6,396-37.5% |
| Admin fee / account holder | $22,403 | $16,880+32.7% | $14,497+54.5% | $12,562+78.3% |