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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 | $127,273 | $102,609+24.0% | $98,090+29.8% | $138,895-8.4% |
| Participation rate | 66.7% | 82.8%-16.1pp | 81.5%-14.9pp | 79.9%-13.3pp |
| Annual return | 3.13% | 36.44%-33.3pp | 37.05%-33.9pp | 145.39%-142.3pp |
| Employer contribution / active EE | $3,467 | $3,867-10.4% | $3,606-3.9% | $4,194-17.3% |
| Participant deferral / active EE | $4,333 | $8,167-46.9% | $7,845-44.8% | $6,396-32.3% |
| Admin fee / account holder | $14,180 | $11,434+24.0% | $11,815+20.0% | $12,562+12.9% |