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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 | $220,726 | $81,276+171.6% | $155,574+41.9% | $80,925+172.8% |
| Participation rate | 65.9% | 66.2%-0.3pp | 78.2%-12.3pp | 67.7%-1.7pp |
| Annual return | 10.25% | 33.36%-23.1pp | 64.87%-54.6pp | 35.65%-25.4pp |
| Employer contribution / active EE | $6,461 | $3,103+108.2% | $4,676+38.2% | $2,756+134.4% |
| Participant deferral / active EE | $5,431 | $3,453+57.3% | $5,629-3.5% | $4,299+26.4% |
| Admin fee / account holder | $1,715 | $7,993-78.5% | $15,914-89.2% | $6,940-75.3% |