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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 | $175,156 | $98,776+77.3% | $149,745+17.0% | $79,856+119.3% |
| Participation rate | 65.6% | 75.8%-10.2pp | 82.5%-16.9pp | 69.6%-4.0pp |
| Annual return | 11.00% | 27.38%-16.4pp | 276.72%-265.7pp | 31.71%-20.7pp |
| Employer contribution / active EE | $2,107 | $3,217-34.5% | $4,646-54.6% | $2,471-14.7% |
| Participant deferral / active EE | $5,359 | $5,681-5.7% | $6,843-21.7% | $3,741+43.3% |
| Admin fee / account holder | $9,161 | $6,053+51.4% | $9,312-1.6% | $5,306+72.6% |