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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 | $246,310 | $176,120+39.9% | $159,487+54.4% | $167,553+47.0% |
| Participation rate | 66.7% | 85.0%-18.3pp | 82.8%-16.2pp | 82.1%-15.4pp |
| Annual return | 2.70% | 331.95%-329.2pp | 263.71%-261.0pp | 478.89%-476.2pp |
| Employer contribution / active EE | $1,448 | $5,299-72.7% | $4,831-70.0% | $4,840-70.1% |
| Participant deferral / active EE | $8,868 | $7,752+14.4% | $7,354+20.6% | $6,343+39.8% |
| Admin fee / account holder | $5,126 | $12,561-59.2% | $10,804-52.6% | $12,316-58.4% |