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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 | $167,641 | $70,666+137.2% | $169,385-1.0% | $75,181+123.0% |
| Participation rate | 61.4% | 64.8%-3.4pp | 77.2%-15.8pp | 67.2%-5.8pp |
| Annual return | 12.44% | 36.37%-23.9pp | 405.82%-393.4pp | 160.69%-148.2pp |
| Employer contribution / active EE | $2,427 | $2,210+9.8% | $4,012-39.5% | $2,671-9.1% |
| Participant deferral / active EE | $5,015 | $4,308+16.4% | $6,221-19.4% | $4,126+21.6% |
| Admin fee / account holder | $786 | $5,402-85.4% | $9,011-91.3% | $5,650-86.1% |