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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 | $164,555 | $160,070+2.8% | $147,117+11.9% | $145,897+12.8% |
| Participation rate | 55.6% | 84.0%-28.5pp | 82.2%-26.6pp | 80.3%-24.8pp |
| Annual return | 9.24% | 98.69%-89.4pp | 420.54%-411.3pp | 552.29%-543.0pp |
| Employer contribution / active EE | $4,041 | $5,285-23.5% | $4,932-18.1% | $4,663-13.3% |
| Participant deferral / active EE | $10,519 | $8,419+24.9% | $8,065+30.4% | $6,689+57.3% |
| Admin fee / account holder | $107,415 | $15,035+614.4% | $12,993+726.7% | $13,390+702.2% |