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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 | $142,413 | $183,627-22.4% | $155,602-8.5% | $145,978-2.4% |
| Participation rate | 57.1% | 82.7%-25.5pp | 78.2%-21.1pp | 80.3%-23.1pp |
| Annual return | 8.49% | 61.32%-52.8pp | 64.81%-56.3pp | 550.52%-542.0pp |
| Employer contribution / active EE | $1,810 | $5,316-66.0% | $4,675-61.3% | $4,662-61.2% |
| Participant deferral / active EE | $6,789 | $6,466+5.0% | $5,629+20.6% | $6,690+1.5% |
| Admin fee / account holder | $1,798 | $19,327-90.7% | $15,923-88.7% | $13,400-86.6% |