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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 | $204,141 | $183,539+11.2% | $155,556+31.2% | $145,897+39.9% |
| Participation rate | 60.0% | 82.7%-22.7pp | 78.2%-18.2pp | 80.3%-20.3pp |
| Annual return | 7.05% | 61.31%-54.3pp | 64.84%-57.8pp | 552.29%-545.2pp |
| Employer contribution / active EE | $8,269 | $5,315+55.6% | $4,675+76.9% | $4,663+77.4% |
| Participant deferral / active EE | $7,422 | $6,467+14.8% | $5,631+31.8% | $6,689+11.0% |
| Admin fee / account holder | $4,108 | $19,275-78.7% | $15,885-74.1% | $13,390-69.3% |