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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 | $160,070-10.3% | $147,117-2.4% | $145,897-1.6% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 7.80% | 98.69%-90.9pp | 420.54%-412.7pp | 552.29%-544.5pp |
| Employer contribution / active EE | $3,293 | $5,285-37.7% | $4,932-33.2% | $4,663-29.4% |
| Participant deferral / active EE | $11,937 | $8,419+41.8% | $8,065+48.0% | $6,689+78.5% |
| Admin fee / account holder | $647 | $15,035-95.7% | $12,993-95.0% | $13,390-95.2% |