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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 | $144,366 | $88,672+62.8% | $105,223+37.2% | $82,448+75.1% |
| Participation rate | 57.9% | 67.9%-10.0pp | 75.0%-17.1pp | 68.1%-10.2pp |
| Annual return | 12.21% | 30.86%-18.6pp | 180.65%-168.4pp | 41.64%-29.4pp |
| Employer contribution / active EE | $1,745 | $3,048-42.7% | $3,689-52.7% | $2,551-31.6% |
| Participant deferral / active EE | $4,365 | $4,036+8.1% | $5,072-13.9% | $4,139+5.4% |
| Admin fee / account holder | $10,560 | $7,146+47.8% | $8,859+19.2% | $7,234+46.0% |