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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 | $186,551 | $100,970+84.8% | $96,576+93.2% | $137,256+35.9% |
| Participation rate | 45.5% | 82.6%-37.2pp | 81.4%-36.0pp | 80.0%-34.5pp |
| Annual return | 7.95% | 38.16%-30.2pp | 38.47%-30.5pp | 220.34%-212.4pp |
| Employer contribution / active EE | $997 | $3,809-73.8% | $3,553-72.0% | $4,156-76.0% |
| Participant deferral / active EE | $7,443 | $8,286-10.2% | $7,956-6.5% | $6,407+16.2% |
| Admin fee / account holder | $1,454 | $11,312-87.1% | $11,381-87.2% | $12,270-88.1% |