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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 | $185,312-24.0% | $161,489-12.8% | $154,746-9.0% |
| Participation rate | 55.6% | 82.5%-26.9pp | 78.7%-23.1pp | 80.7%-25.1pp |
| Annual return | 8.15% | 103.84%-95.7pp | 89.72%-81.6pp | 172.34%-164.2pp |
| Employer contribution / active EE | $2,405 | $4,769-49.6% | $4,268-43.7% | $4,379-45.1% |
| Participant deferral / active EE | $5,248 | $6,350-17.4% | $5,630-6.8% | $6,730-22.0% |
| Admin fee / account holder | $1,345 | $18,654-92.8% | $16,006-91.6% | $14,365-90.6% |