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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 | $173,757 | $88,996+95.2% | $78,004+122.8% | $138,895+25.1% |
| Participation rate | 66.7% | 74.4%-7.7pp | 69.4%-2.8pp | 79.9%-13.3pp |
| Annual return | 10.28% | 28.03%-17.8pp | 31.07%-20.8pp | 145.39%-135.1pp |
| Employer contribution / active EE | $1,603 | $2,917-45.0% | $2,469-35.1% | $4,194-61.8% |
| Participant deferral / active EE | $4,391 | $4,724-7.0% | $4,092+7.3% | $6,396-31.3% |
| Admin fee / account holder | $13,197 | $8,807+49.8% | $7,578+74.1% | $12,562+5.1% |