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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 | $181,001 | $81,331+122.5% | $155,534+16.4% | $80,935+123.6% |
| Participation rate | 59.6% | 66.3%-6.6pp | 78.2%-18.6pp | 67.7%-8.0pp |
| Annual return | 10.27% | 33.37%-23.1pp | 64.92%-54.7pp | 35.66%-25.4pp |
| Employer contribution / active EE | $2,279 | $3,105-26.6% | $4,675-51.3% | $2,757-17.3% |
| Participant deferral / active EE | $5,721 | $3,454+65.6% | $5,630+1.6% | $4,299+33.1% |
| Admin fee / account holder | $30,423 | $7,999+280.3% | $15,900+91.3% | $6,924+339.4% |