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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 | $158,396 | $183,627-13.7% | $155,602+1.8% | $145,978+8.5% |
| Participation rate | 14.3% | 82.7%-68.4pp | 78.2%-63.9pp | 80.3%-66.0pp |
| Annual return | 8.66% | 61.32%-52.7pp | 64.81%-56.1pp | 550.52%-541.9pp |
| Employer contribution / active EE | $1,572 | $5,316-70.4% | $4,675-66.4% | $4,662-66.3% |
| Participant deferral / active EE | $4,498 | $6,466-30.4% | $5,629-20.1% | $6,690-32.8% |
| Admin fee / account holder | $5,354 | $19,327-72.3% | $15,923-66.4% | $13,400-60.0% |