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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 | $232,209 | $202,342+14.8% | $172,753+34.4% | $152,909+51.9% |
| Participation rate | 62.5% | 87.1%-24.6pp | 82.6%-20.1pp | 82.5%-20.0pp |
| Annual return | 12.14% | 1029.88%-1017.7pp | 803.00%-790.9pp | 345.46%-333.3pp |
| Employer contribution / active EE | $1,340 | $5,857-77.1% | $5,144-73.9% | $4,764-71.9% |
| Participant deferral / active EE | $3,345 | $5,948-43.8% | $5,198-35.6% | $5,851-42.8% |
| Admin fee / account holder | $12,364 | $17,112-27.7% | $13,956-11.4% | $11,601+6.6% |