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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 | $140,808 | $172,111-18.2% | $150,298-6.3% | $137,256+2.6% |
| Participation rate | 55.6% | 81.7%-26.2pp | 77.8%-22.2pp | 80.0%-24.4pp |
| Annual return | 8.15% | 69.37%-61.2pp | 62.79%-54.6pp | 220.34%-212.2pp |
| Employer contribution / active EE | $2,405 | $4,636-48.1% | $4,154-42.1% | $4,156-42.1% |
| Participant deferral / active EE | $5,248 | $6,166-14.9% | $5,453-3.8% | $6,407-18.1% |
| Admin fee / account holder | $1,345 | $16,471-91.8% | $14,116-90.5% | $12,270-89.0% |