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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 | $183,592-9.2% | $155,567+7.1% | $145,959+14.2% |
| Participation rate | 29.4% | 82.7%-53.3pp | 78.2%-48.8pp | 80.3%-50.9pp |
| Annual return | 7.01% | 61.24%-54.2pp | 64.74%-57.7pp | 561.95%-554.9pp |
| Employer contribution / active EE | $1,770 | $5,315-66.7% | $4,674-62.1% | $4,661-62.0% |
| Participant deferral / active EE | $3,980 | $6,464-38.4% | $5,628-29.3% | $6,689-40.5% |
| Admin fee / account holder | $990 | $19,318-94.9% | $15,916-93.8% | $13,398-92.6% |