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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 | $176,428 | $166,242+6.1% | $165,071+6.9% | $145,884+20.9% |
| Participation rate | 68.4% | 82.0%-13.6pp | 78.6%-10.2pp | 80.3%-11.9pp |
| Annual return | 5.36% | 100.44%-95.1pp | 70.17%-64.8pp | 551.85%-546.5pp |
| Employer contribution / active EE | $1,971 | $5,283-62.7% | $4,347-54.7% | $4,662-57.7% |
| Participant deferral / active EE | $7,515 | $6,964+7.9% | $6,035+24.5% | $6,690+12.3% |
| Admin fee / account holder | $3,462 | $16,658-79.2% | $12,695-72.7% | $13,392-74.1% |