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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 | $142,222 | $93,589+52.0% | $135,942+4.6% | $75,181+89.2% |
| Participation rate | 61.2% | 75.2%-14.0pp | 81.9%-20.7pp | 67.2%-6.0pp |
| Annual return | 13.88% | 30.90%-17.0pp | 68.28%-54.4pp | 160.69%-146.8pp |
| Employer contribution / active EE | $5,179 | $3,537+46.4% | $4,858+6.6% | $2,671+93.9% |
| Participant deferral / active EE | $7,274 | $6,405+13.6% | $7,759-6.2% | $4,126+76.3% |
| Admin fee / account holder | $2,240 | $6,977-67.9% | $10,764-79.2% | $5,650-60.3% |