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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 | $210,426 | $93,598+124.8% | $135,974+54.8% | $75,173+179.9% |
| Participation rate | 67.3% | 75.2%-7.9pp | 81.9%-14.6pp | 67.2%+0.1pp |
| Annual return | 14.22% | 30.89%-16.7pp | 68.30%-54.1pp | 160.72%-146.5pp |
| Employer contribution / active EE | $2,199 | $3,538-37.8% | $4,859-54.7% | $2,671-17.7% |
| Participant deferral / active EE | $6,108 | $6,405-4.7% | $7,760-21.3% | $4,126+48.0% |
| Admin fee / account holder | $13,895 | $6,978+99.1% | $10,767+29.1% | $5,651+145.9% |