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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 | $111,969 | $70,435+59.0% | $96,575+15.9% | $85,856+30.4% |
| Participation rate | 66.2% | 61.8%+4.4pp | 69.8%-3.6pp | 69.3%-3.1pp |
| Annual return | 9.26% | 18.59%-9.3pp | 37.79%-28.5pp | 318.58%-309.3pp |
| Employer contribution / active EE | $2,600 | $1,413+84.0% | $2,357+10.3% | $2,565+1.4% |
| Participant deferral / active EE | $4,465 | $2,894+54.3% | $3,849+16.0% | $3,952+13.0% |
| Admin fee / account holder | $45,168 | $4,997+803.9% | $6,182+630.6% | $6,261+621.5% |