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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 | $182,330 | $106,524+71.2% | $152,301+19.7% | $87,485+108.4% |
| Participation rate | 55.9% | 75.8%-19.9pp | 82.4%-26.6pp | 68.9%-13.0pp |
| Annual return | 13.06% | 26.89%-13.8pp | 80.50%-67.4pp | 26.06%-13.0pp |
| Employer contribution / active EE | $6,769 | $3,371+100.8% | $4,624+46.4% | $2,596+160.7% |
| Participant deferral / active EE | $3,940 | $6,525-39.6% | $8,004-50.8% | $4,274-7.8% |
| Admin fee / account holder | $39,909 | $8,287+381.6% | $14,398+177.2% | $7,775+413.3% |