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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 | $109,223 | $100,970+8.2% | $96,576+13.1% | $137,256-20.4% |
| Participation rate | 53.8% | 82.6%-28.8pp | 81.4%-27.6pp | 80.0%-26.1pp |
| Annual return | 9.67% | 38.16%-28.5pp | 38.47%-28.8pp | 220.34%-210.7pp |
| Employer contribution / active EE | $846 | $3,809-77.8% | $3,553-76.2% | $4,156-79.7% |
| Participant deferral / active EE | $6,374 | $8,286-23.1% | $7,956-19.9% | $6,407-0.5% |
| Admin fee / account holder | $1,667 | $11,312-85.3% | $11,381-85.4% | $12,270-86.4% |