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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 | $150,022 | $165,399-9.3% | $149,745+0.2% | $158,982-5.6% |
| Participation rate | 66.7% | 84.6%-17.9pp | 82.5%-15.8pp | 82.0%-15.3pp |
| Annual return | 5.18% | 348.34%-343.2pp | 276.72%-271.5pp | 302.99%-297.8pp |
| Employer contribution / active EE | $1,589 | $5,105-68.9% | $4,646-65.8% | $4,763-66.6% |
| Participant deferral / active EE | $6,654 | $7,183-7.4% | $6,843-2.8% | $5,983+11.2% |
| Admin fee / account holder | $18,477 | $10,811+70.9% | $9,312+98.4% | $11,252+64.2% |