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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 | $96,731+124.2% | $123,973+75.0% | $86,983+149.4% |
| Participation rate | 61.0% | 70.0%-9.0pp | 76.7%-15.6pp | 69.5%-8.5pp |
| Annual return | 9.52% | 17.33%-7.8pp | 388.13%-378.6pp | 25.83%-16.3pp |
| Employer contribution / active EE | $4,818 | $3,297+46.1% | $4,126+16.8% | $2,584+86.4% |
| Participant deferral / active EE | $5,595 | $4,152+34.8% | $5,247+6.6% | $4,194+33.4% |
| Admin fee / account holder | $31,214 | $8,722+257.9% | $11,799+164.6% | $7,856+297.3% |