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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 | $241,918 | $176,105+37.4% | $159,474+51.7% | $167,536+44.4% |
| Participation rate | 62.5% | 85.0%-22.5pp | 82.8%-20.3pp | 82.1%-19.6pp |
| Annual return | 8.13% | 331.91%-323.8pp | 263.68%-255.5pp | 478.82%-470.7pp |
| Employer contribution / active EE | $2,138 | $5,299-59.7% | $4,831-55.7% | $4,839-55.8% |
| Participant deferral / active EE | $7,236 | $7,751-6.6% | $7,353-1.6% | $6,342+14.1% |
| Admin fee / account holder | $3,603 | $12,559-71.3% | $10,802-66.6% | $12,315-70.7% |