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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 | $163,097 | $51,642+215.8% | $129,384+26.1% | $80,935+101.5% |
| Participation rate | 63.1% | 56.9%+6.2pp | 69.6%-6.5pp | 67.7%-4.6pp |
| Annual return | 9.90% | 20.78%-10.9pp | 9461.77%-9451.9pp | 35.66%-25.8pp |
| Employer contribution / active EE | $5,649 | $1,583+256.8% | $4,153+36.0% | $2,757+104.9% |
| Participant deferral / active EE | $3,552 | $2,670+33.1% | $4,166-14.7% | $4,299-17.4% |
| Admin fee / account holder | $2,511 | $4,312-41.8% | $7,686-67.3% | $6,924-63.7% |