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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 | $214,783 | $102,422+109.7% | $147,117+46.0% | $80,959+165.3% |
| Participation rate | 66.0% | 75.9%-9.9pp | 82.2%-16.2pp | 67.7%-1.7pp |
| Annual return | 8.47% | 135.16%-126.7pp | 420.54%-412.1pp | 35.67%-27.2pp |
| Employer contribution / active EE | $2,334 | $3,717-37.2% | $4,932-52.7% | $2,757-15.3% |
| Participant deferral / active EE | $7,938 | $6,652+19.3% | $8,065-1.6% | $4,300+84.6% |
| Admin fee / account holder | $7,179 | $7,953-9.7% | $12,993-44.7% | $6,925+3.7% |