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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 | $210,917 | $110,337+91.2% | $102,383+106.0% | $145,877+44.6% |
| Participation rate | 64.7% | 77.9%-13.2pp | 74.5%-9.8pp | 80.3%-15.6pp |
| Annual return | 7.79% | 24.83%-17.0pp | 24.94%-17.1pp | 551.28%-543.5pp |
| Employer contribution / active EE | $3,605 | $4,216-14.5% | $3,870-6.9% | $4,663-22.7% |
| Participant deferral / active EE | $8,953 | $5,621+59.3% | $5,060+77.0% | $6,691+33.8% |
| Admin fee / account holder | $14,737 | $9,750+51.1% | $8,391+75.6% | $13,402+10.0% |