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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 | $149,827 | $183,592-18.4% | $155,574-3.7% | $145,877+2.7% |
| Participation rate | 37.5% | 82.7%-45.2pp | 78.2%-40.7pp | 80.3%-42.8pp |
| Annual return | 7.54% | 61.37%-53.8pp | 64.87%-57.3pp | 551.28%-543.7pp |
| Employer contribution / active EE | $1,645 | $5,317-69.1% | $4,676-64.8% | $4,663-64.7% |
| Participant deferral / active EE | $8,275 | $6,466+28.0% | $5,629+47.0% | $6,691+23.7% |
| Admin fee / account holder | $2,502 | $19,316-87.0% | $15,914-84.3% | $13,402-81.3% |