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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 | $166,678 | $183,539-9.2% | $155,556+7.1% | $145,897+14.2% |
| Participation rate | 29.4% | 82.7%-53.3pp | 78.2%-48.8pp | 80.3%-50.9pp |
| Annual return | 7.01% | 61.31%-54.3pp | 64.84%-57.8pp | 552.29%-545.3pp |
| Employer contribution / active EE | $1,770 | $5,315-66.7% | $4,675-62.1% | $4,663-62.0% |
| Participant deferral / active EE | $3,980 | $6,467-38.5% | $5,631-29.3% | $6,689-40.5% |
| Admin fee / account holder | $990 | $19,275-94.9% | $15,885-93.8% | $13,390-92.6% |