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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 | $116,238 | $118,496-1.9% | $98,461+18.1% | $139,466-16.7% |
| Participation rate | 40.0% | 77.5%-37.5pp | 75.2%-35.2pp | 80.3%-40.3pp |
| Annual return | 5.12% | 18.96%-13.8pp | 21.17%-16.1pp | 373.66%-368.5pp |
| Employer contribution / active EE | $936 | $3,611-74.1% | $3,049-69.3% | $4,754-80.3% |
| Participant deferral / active EE | $5,849 | $5,393+8.4% | $4,738+23.4% | $6,712-12.9% |
| Admin fee / account holder | $1,620 | $14,056-88.5% | $8,961-81.9% | $11,409-85.8% |