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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 | $146,200 | $114,119+28.1% | $107,187+36.4% | $138,895+5.3% |
| Participation rate | 66.7% | 78.1%-11.4pp | 75.0%-8.4pp | 79.9%-13.3pp |
| Annual return | 8.55% | 273.21%-264.7pp | 204.55%-196.0pp | 145.39%-136.8pp |
| Employer contribution / active EE | $4,010 | $4,059-1.2% | $3,782+6.0% | $4,194-4.4% |
| Participant deferral / active EE | $23,167 | $5,538+318.3% | $5,096+354.6% | $6,396+262.2% |
| Admin fee / account holder | $1,249 | $10,024-87.5% | $9,162-86.4% | $12,562-90.1% |