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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 | $216,899 | $88,672+144.6% | $105,223+106.1% | $82,448+163.1% |
| Participation rate | 61.0% | 67.9%-6.9pp | 75.0%-14.0pp | 68.1%-7.1pp |
| Annual return | 9.52% | 30.86%-21.3pp | 180.65%-171.1pp | 41.64%-32.1pp |
| Employer contribution / active EE | $4,818 | $3,048+58.1% | $3,689+30.6% | $2,551+88.9% |
| Participant deferral / active EE | $5,595 | $4,036+38.6% | $5,072+10.3% | $4,139+35.2% |
| Admin fee / account holder | $31,214 | $7,146+336.8% | $8,859+252.4% | $7,234+331.5% |