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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 | $113,620 | $105,145+8.1% | $94,664+20.0% | $139,466-18.5% |
| Participation rate | 66.7% | 82.4%-15.7pp | 80.8%-14.2pp | 80.3%-13.7pp |
| Annual return | 7.03% | 38.09%-31.1pp | 156.84%-149.8pp | 373.66%-366.6pp |
| Employer contribution / active EE | $4,452 | $4,107+8.4% | $3,673+21.2% | $4,754-6.3% |
| Participant deferral / active EE | $8,645 | $7,599+13.8% | $7,417+16.5% | $6,712+28.8% |
| Admin fee / account holder | $21,575 | $8,972+140.5% | $7,222+198.8% | $11,409+89.1% |