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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 | $247,403 | $175,259+41.2% | $149,723+65.2% | $139,487+77.4% |
| Participation rate | 50.0% | 83.4%-33.4pp | 78.8%-28.8pp | 80.3%-30.3pp |
| Annual return | 9.06% | 166.82%-157.8pp | 134.50%-125.4pp | 373.84%-364.8pp |
| Employer contribution / active EE | $8,252 | $5,478+50.6% | $4,821+71.1% | $4,755+73.5% |
| Participant deferral / active EE | $18,299 | $6,522+180.6% | $5,682+222.0% | $6,713+172.6% |
| Admin fee / account holder | $5,905 | $16,158-63.5% | $13,215-55.3% | $11,407-48.2% |