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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 | $248,908 | $154,228+61.4% | $145,433+71.1% | $137,256+81.3% |
| Participation rate | 60.0% | 83.8%-23.8pp | 82.1%-22.1pp | 80.0%-20.0pp |
| Annual return | 2.98% | 74.59%-71.6pp | 66.58%-63.6pp | 220.34%-217.4pp |
| Employer contribution / active EE | $2,307 | $4,804-52.0% | $4,554-49.3% | $4,156-44.5% |
| Participant deferral / active EE | $19,052 | $8,216+131.9% | $7,897+141.2% | $6,407+197.4% |
| Admin fee / account holder | $406,857 | $14,344+2736.5% | $13,129+2998.9% | $12,270+3215.8% |