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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 | $105,284+106.0% | $150,734+43.9% | $94,015+130.7% |
| Participation rate | 61.0% | 71.7%-10.7pp | 78.4%-17.4pp | 70.8%-9.8pp |
| Annual return | 9.52% | 15.67%-6.2pp | 600.81%-591.3pp | 17.84%-8.3pp |
| Employer contribution / active EE | $4,818 | $3,599+33.9% | $4,918-2.0% | $2,790+72.7% |
| Participant deferral / active EE | $5,595 | $4,274+30.9% | $5,610-0.3% | $4,249+31.7% |
| Admin fee / account holder | $31,214 | $9,839+217.3% | $14,905+109.4% | $8,951+248.7% |