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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 | $134,102 | $148,623-9.8% | $135,974-1.4% | $139,466-3.8% |
| Participation rate | 61.1% | 83.9%-22.8pp | 81.9%-20.8pp | 80.3%-19.2pp |
| Annual return | 10.16% | 79.30%-69.1pp | 68.30%-58.1pp | 373.66%-363.5pp |
| Employer contribution / active EE | $3,577 | $5,246-31.8% | $4,859-26.4% | $4,754-24.8% |
| Participant deferral / active EE | $9,310 | $8,103+14.9% | $7,760+20.0% | $6,712+38.7% |
| Admin fee / account holder | $932 | $12,406-92.5% | $10,767-91.3% | $11,409-91.8% |