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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 | $145,564 | $102,609+41.9% | $98,090+48.4% | $138,895+4.8% |
| Participation rate | 62.5% | 82.8%-20.3pp | 81.5%-19.0pp | 79.9%-17.4pp |
| Annual return | 10.58% | 36.44%-25.9pp | 37.05%-26.5pp | 145.39%-134.8pp |
| Employer contribution / active EE | $3,760 | $3,867-2.8% | $3,606+4.3% | $4,194-10.4% |
| Participant deferral / active EE | $9,779 | $8,167+19.7% | $7,845+24.7% | $6,396+52.9% |
| Admin fee / account holder | $1,487 | $11,434-87.0% | $11,815-87.4% | $12,562-88.2% |