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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 | $136,995 | $93,589+46.4% | $135,942+0.8% | $75,181+82.2% |
| Participation rate | 66.7% | 75.2%-8.5pp | 81.9%-15.2pp | 67.2%-0.5pp |
| Annual return | 13.75% | 30.90%-17.1pp | 68.28%-54.5pp | 160.69%-146.9pp |
| Employer contribution / active EE | $6,563 | $3,537+85.5% | $4,858+35.1% | $2,671+145.7% |
| Participant deferral / active EE | $4,987 | $6,405-22.1% | $7,759-35.7% | $4,126+20.9% |
| Admin fee / account holder | $8,406 | $6,977+20.5% | $10,764-21.9% | $5,650+48.8% |