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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 | $151,108 | $106,749+41.6% | $145,433+3.9% | $82,448+83.3% |
| Participation rate | 60.5% | 75.6%-15.1pp | 82.1%-21.6pp | 68.1%-7.5pp |
| Annual return | 13.28% | 27.59%-14.3pp | 66.58%-53.3pp | 41.64%-28.4pp |
| Employer contribution / active EE | $3,542 | $3,444+2.8% | $4,554-22.2% | $2,551+38.8% |
| Participant deferral / active EE | $9,355 | $6,519+43.5% | $7,897+18.5% | $4,139+126.0% |
| Admin fee / account holder | $45,427 | $8,390+441.4% | $13,129+246.0% | $7,234+527.9% |