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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 | $190,011 | $172,111+10.4% | $150,298+26.4% | $137,256+38.4% |
| Participation rate | 54.5% | 81.7%-27.2pp | 77.8%-23.2pp | 80.0%-25.4pp |
| Annual return | 4.09% | 69.37%-65.3pp | 62.79%-58.7pp | 220.34%-216.3pp |
| Employer contribution / active EE | $3,150 | $4,636-32.1% | $4,154-24.2% | $4,156-24.2% |
| Participant deferral / active EE | $4,059 | $6,166-34.2% | $5,453-25.6% | $6,407-36.6% |
| Admin fee / account holder | $2,228 | $16,471-86.5% | $14,116-84.2% | $12,270-81.8% |