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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 | $179,970 | $201,372-10.6% | $184,260-2.3% | $145,884+23.4% |
| Participation rate | 63.6% | 87.5%-23.9pp | 86.8%-23.2pp | 80.3%-16.7pp |
| Annual return | 8.59% | 29.04%-20.4pp | 28.84%-20.2pp | 551.85%-543.3pp |
| Employer contribution / active EE | $2,172 | $7,024-69.1% | $6,427-66.2% | $4,662-53.4% |
| Participant deferral / active EE | $3,282 | $9,808-66.5% | $9,133-64.1% | $6,690-50.9% |
| Admin fee / account holder | $926 | $16,362-94.3% | $13,898-93.3% | $13,392-93.1% |