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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 | $193,425 | $95,415+102.7% | $185,851+4.1% | $85,851+125.3% |
| Participation rate | 64.3% | 68.8%-4.5pp | 81.7%-17.4pp | 69.3%-5.0pp |
| Annual return | 7.38% | 23.59%-16.2pp | 122.11%-114.7pp | 318.63%-311.3pp |
| Employer contribution / active EE | $5,718 | $3,314+72.6% | $5,168+10.6% | $2,565+122.9% |
| Participant deferral / active EE | $4,359 | $3,424+27.3% | $5,569-21.7% | $3,952+10.3% |
| Admin fee / account holder | $11,438 | $7,215+58.5% | $16,245-29.6% | $6,261+82.7% |