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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 | $186,546 | $98,766+88.9% | $149,730+24.6% | $79,852+133.6% |
| Participation rate | 62.1% | 75.8%-13.7pp | 82.5%-20.4pp | 69.6%-7.6pp |
| Annual return | 9.12% | 27.43%-18.3pp | 276.70%-267.6pp | 31.72%-22.6pp |
| Employer contribution / active EE | $1,805 | $3,217-43.9% | $4,645-61.1% | $2,471-27.0% |
| Participant deferral / active EE | $4,246 | $5,681-25.3% | $6,843-38.0% | $3,740+13.5% |
| Admin fee / account holder | $9,365 | $6,052+54.7% | $9,310+0.6% | $5,306+76.5% |