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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 | $160,028+2.8% | $147,080+11.9% | $145,884+12.8% |
| Participation rate | 55.6% | 84.0%-28.5pp | 82.2%-26.6pp | 80.3%-24.7pp |
| Annual return | 9.24% | 98.60%-89.4pp | 420.17%-410.9pp | 551.85%-542.6pp |
| Employer contribution / active EE | $4,041 | $5,286-23.5% | $4,933-18.1% | $4,662-13.3% |
| Participant deferral / active EE | $10,519 | $8,422+24.9% | $8,066+30.4% | $6,690+57.2% |
| Admin fee / account holder | $107,415 | $15,030+614.7% | $12,989+727.0% | $13,392+702.1% |