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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 | $179,425 | $93,589+91.7% | $135,942+32.0% | $75,181+138.7% |
| Participation rate | 62.1% | 75.2%-13.1pp | 81.9%-19.8pp | 67.2%-5.1pp |
| Annual return | 9.27% | 30.90%-21.6pp | 68.28%-59.0pp | 160.69%-151.4pp |
| Employer contribution / active EE | $1,239 | $3,537-65.0% | $4,858-74.5% | $2,671-53.6% |
| Participant deferral / active EE | $2,630 | $6,405-58.9% | $7,759-66.1% | $4,126-36.3% |
| Admin fee / account holder | $8,162 | $6,977+17.0% | $10,764-24.2% | $5,650+44.5% |