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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 | $154,869 | $96,524+60.4% | $75,900+104.0% | $152,909+1.3% |
| Participation rate | 63.6% | 76.2%-12.6pp | 69.3%-5.7pp | 82.5%-18.8pp |
| Annual return | 12.09% | 33.93%-21.8pp | 30.73%-18.6pp | 345.46%-333.4pp |
| Employer contribution / active EE | $4,068 | $3,311+22.9% | $2,501+62.6% | $4,764-14.6% |
| Participant deferral / active EE | $5,154 | $4,554+13.2% | $3,604+43.0% | $5,851-11.9% |
| Admin fee / account holder | $5,943 | $8,082-26.5% | $5,421+9.6% | $11,601-48.8% |