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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 | $212,345 | $148,623+42.9% | $135,974+56.2% | $139,466+52.3% |
| Participation rate | 54.5% | 83.9%-29.3pp | 81.9%-27.4pp | 80.3%-25.8pp |
| Annual return | 10.35% | 79.30%-68.9pp | 68.30%-58.0pp | 373.66%-363.3pp |
| Employer contribution / active EE | $2,088 | $5,246-60.2% | $4,859-57.0% | $4,754-56.1% |
| Participant deferral / active EE | $7,762 | $8,103-4.2% | $7,7600% | $6,712+15.6% |
| Admin fee / account holder | $2,254 | $12,406-81.8% | $10,767-79.1% | $11,409-80.2% |