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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 | $142,355 | $201,259-29.3% | $184,200-22.7% | $145,959-2.5% |
| Participation rate | 53.8% | 87.5%-33.7pp | 86.8%-33.0pp | 80.3%-26.4pp |
| Annual return | 6.01% | 28.98%-23.0pp | 28.80%-22.8pp | 561.95%-555.9pp |
| Employer contribution / active EE | $2,695 | $7,018-61.6% | $6,424-58.1% | $4,661-42.2% |
| Participant deferral / active EE | $8,193 | $9,806-16.5% | $9,132-10.3% | $6,689+22.5% |
| Admin fee / account holder | $16,468 | $16,372+0.6% | $13,907+18.4% | $13,398+22.9% |