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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 | $201,264-10.6% | $184,185-2.3% | $145,978+23.3% |
| Participation rate | 63.6% | 87.5%-23.9pp | 86.8%-23.2pp | 80.3%-16.7pp |
| Annual return | 8.59% | 29.00%-20.4pp | 28.81%-20.2pp | 550.52%-541.9pp |
| Employer contribution / active EE | $2,172 | $7,021-69.1% | $6,426-66.2% | $4,662-53.4% |
| Participant deferral / active EE | $3,282 | $9,806-66.5% | $9,132-64.1% | $6,690-50.9% |
| Admin fee / account holder | $926 | $16,376-94.3% | $13,909-93.3% | $13,400-93.1% |