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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 | $220,288 | $148,629+48.2% | $135,982+62.0% | $139,487+57.9% |
| Participation rate | 66.7% | 83.9%-17.2pp | 81.9%-15.3pp | 80.3%-13.7pp |
| Annual return | 9.60% | 79.33%-69.7pp | 68.32%-58.7pp | 373.84%-364.2pp |
| Employer contribution / active EE | $2,931 | $5,247-44.1% | $4,859-39.7% | $4,755-38.4% |
| Participant deferral / active EE | $11,990 | $8,102+48.0% | $7,760+54.5% | $6,713+78.6% |
| Admin fee / account holder | $44,679 | $12,406+260.1% | $10,767+315.0% | $11,407+291.7% |