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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 | $114,612 | $111,535+2.8% | $105,223+8.9% | $137,256-16.5% |
| Participation rate | 50.0% | 78.1%-28.1pp | 75.0%-25.0pp | 80.0%-30.0pp |
| Annual return | 10.57% | 237.85%-227.3pp | 180.65%-170.1pp | 220.34%-209.8pp |
| Employer contribution / active EE | $1,334 | $3,939-66.1% | $3,689-63.8% | $4,156-67.9% |
| Participant deferral / active EE | $6,550 | $5,500+19.1% | $5,072+29.1% | $6,407+2.2% |
| Admin fee / account holder | $988 | $9,721-89.8% | $8,859-88.8% | $12,270-91.9% |