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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 | $220,381 | $172,111+28.0% | $150,298+46.6% | $137,256+60.6% |
| Participation rate | 57.1% | 81.7%-24.6pp | 77.8%-20.6pp | 80.0%-22.8pp |
| Annual return | 8.01% | 69.37%-61.4pp | 62.79%-54.8pp | 220.34%-212.3pp |
| Employer contribution / active EE | $1,849 | $4,636-60.1% | $4,154-55.5% | $4,156-55.5% |
| Participant deferral / active EE | $3,748 | $6,166-39.2% | $5,453-31.3% | $6,407-41.5% |
| Admin fee / account holder | $344,826 | $16,471+1993.5% | $14,116+2342.8% | $12,270+2710.3% |