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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 | $143,589 | $160,040-10.3% | $147,096-2.4% | $145,877-1.6% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 7.80% | 98.49%-90.7pp | 419.75%-411.9pp | 551.28%-543.5pp |
| Employer contribution / active EE | $3,293 | $5,289-37.7% | $4,936-33.3% | $4,663-29.4% |
| Participant deferral / active EE | $11,937 | $8,429+41.6% | $8,071+47.9% | $6,691+78.4% |
| Admin fee / account holder | $647 | $15,050-95.7% | $13,005-95.0% | $13,402-95.2% |