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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 | $166,969 | $154,228+8.3% | $145,433+14.8% | $137,256+21.6% |
| Participation rate | 57.1% | 83.8%-26.6pp | 82.1%-25.0pp | 80.0%-22.8pp |
| Annual return | 11.62% | 74.59%-63.0pp | 66.58%-55.0pp | 220.34%-208.7pp |
| Employer contribution / active EE | $3,457 | $4,804-28.0% | $4,554-24.1% | $4,156-16.8% |
| Participant deferral / active EE | $9,113 | $8,216+10.9% | $7,897+15.4% | $6,407+42.2% |
| Admin fee / account holder | $54,972 | $14,344+283.3% | $13,129+318.7% | $12,270+348.0% |