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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 | $167,233 | $183,539-8.9% | $155,556+7.5% | $145,897+14.6% |
| Participation rate | 60.0% | 82.7%-22.7pp | 78.2%-18.2pp | 80.3%-20.3pp |
| Annual return | 8.02% | 61.31%-53.3pp | 64.84%-56.8pp | 552.29%-544.3pp |
| Employer contribution / active EE | $2,981 | $5,315-43.9% | $4,675-36.2% | $4,663-36.1% |
| Participant deferral / active EE | $9,287 | $6,467+43.6% | $5,631+64.9% | $6,689+38.8% |
| Admin fee / account holder | $2,832 | $19,275-85.3% | $15,885-82.2% | $13,390-78.8% |