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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 | $81,262+122.7% | $155,602+16.3% | $80,911+123.7% |
| Participation rate | 59.6% | 66.2%-6.6pp | 78.2%-18.6pp | 67.6%-8.0pp |
| Annual return | 10.27% | 33.34%-23.1pp | 64.81%-54.5pp | 35.63%-25.4pp |
| Employer contribution / active EE | $2,279 | $3,102-26.5% | $4,675-51.3% | $2,756-17.3% |
| Participant deferral / active EE | $5,721 | $3,451+65.7% | $5,629+1.6% | $4,297+33.1% |
| Admin fee / account holder | $30,423 | $7,992+280.7% | $15,923+91.1% | $6,935+338.7% |