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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 | $145,564 | $100,970+44.2% | $96,576+50.7% | $137,256+6.1% |
| Participation rate | 62.5% | 82.6%-20.1pp | 81.4%-18.9pp | 80.0%-17.5pp |
| Annual return | 10.58% | 38.16%-27.6pp | 38.47%-27.9pp | 220.34%-209.8pp |
| Employer contribution / active EE | $3,760 | $3,809-1.3% | $3,553+5.8% | $4,156-9.5% |
| Participant deferral / active EE | $9,779 | $8,286+18.0% | $7,956+22.9% | $6,407+52.6% |
| Admin fee / account holder | $1,487 | $11,312-86.9% | $11,381-86.9% | $12,270-87.9% |