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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 | $183,447 | $185,312-1.0% | $161,489+13.6% | $154,746+18.5% |
| Participation rate | 58.8% | 82.5%-23.6pp | 78.7%-19.9pp | 80.7%-21.9pp |
| Annual return | 8.89% | 103.84%-95.0pp | 89.72%-80.8pp | 172.34%-163.4pp |
| Employer contribution / active EE | $4,761 | $4,769-0.2% | $4,268+11.5% | $4,379+8.7% |
| Participant deferral / active EE | $3,461 | $6,350-45.5% | $5,630-38.5% | $6,730-48.6% |
| Admin fee / account holder | $46,379 | $18,654+148.6% | $16,006+189.8% | $14,365+222.9% |