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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 | $206,411 | $209,336-1.4% | $197,124+4.7% | $137,256+50.4% |
| Participation rate | 63.2% | 87.3%-24.1pp | 86.7%-23.6pp | 80.0%-16.8pp |
| Annual return | 10.68% | 48.09%-37.4pp | 44.34%-33.7pp | 220.34%-209.7pp |
| Employer contribution / active EE | $2,541 | $6,591-61.5% | $6,227-59.2% | $4,156-38.9% |
| Participant deferral / active EE | $10,226 | $9,614+6.4% | $9,135+12.0% | $6,407+59.6% |
| Admin fee / account holder | $6,320 | $17,308-63.5% | $16,298-61.2% | $12,270-48.5% |