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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 | $183,516-13.7% | $155,534+1.8% | $145,884+8.6% |
| Participation rate | 14.3% | 82.7%-68.4pp | 78.2%-63.9pp | 80.3%-66.0pp |
| Annual return | 8.66% | 61.43%-52.8pp | 64.92%-56.3pp | 551.85%-543.2pp |
| Employer contribution / active EE | $1,572 | $5,315-70.4% | $4,675-66.4% | $4,662-66.3% |
| Participant deferral / active EE | $4,498 | $6,467-30.4% | $5,630-20.1% | $6,690-32.8% |
| Admin fee / account holder | $5,354 | $19,293-72.3% | $15,900-66.3% | $13,392-60.0% |