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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 | $206,617 | $63,346+226.2% | $92,240+124.0% | $70,126+194.6% |
| Participation rate | 57.5% | 68.7%-11.2pp | 76.5%-19.0pp | 69.5%-12.0pp |
| Annual return | 11.07% | 530.19%-519.1pp | 176.29%-165.2pp | 73.15%-62.1pp |
| Employer contribution / active EE | $3,400 | $2,471+37.6% | $3,680-7.6% | $2,343+45.1% |
| Participant deferral / active EE | $2,344 | $2,854-17.9% | $3,897-39.9% | $3,332-29.7% |
| Admin fee / account holder | $4,882 | $3,841+27.1% | $5,194-6.0% | $4,645+5.1% |