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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 | $165,120 | $178,174-7.3% | $156,181+5.7% | $137,256+20.3% |
| Participation rate | 66.7% | 82.0%-15.4pp | 78.8%-12.2pp | 80.0%-13.3pp |
| Annual return | 9.52% | 84.19%-74.7pp | 64.87%-55.4pp | 220.34%-210.8pp |
| Employer contribution / active EE | $4,118 | $4,972-17.2% | $4,294-4.1% | $4,156-0.9% |
| Participant deferral / active EE | $14,463 | $6,888+110.0% | $6,132+135.8% | $6,407+125.7% |
| Admin fee / account holder | $468,223 | $17,404+2590.3% | $14,586+3110.1% | $12,270+3716.0% |