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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 | $215,777 | $166,020+30.0% | $164,866+30.9% | $145,959+47.8% |
| Participation rate | 66.7% | 82.0%-15.3pp | 78.6%-11.9pp | 80.3%-13.6pp |
| Annual return | 2.27% | 100.08%-97.8pp | 69.97%-67.7pp | 561.95%-559.7pp |
| Employer contribution / active EE | $8,664 | $5,275+64.3% | $4,343+99.5% | $4,661+85.9% |
| Participant deferral / active EE | $4,838 | $6,961-30.5% | $6,033-19.8% | $6,689-27.7% |
| Admin fee / account holder | $13,721 | $16,644-17.6% | $12,689+8.1% | $13,398+2.4% |