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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 | $134,913 | $115,225+17.1% | $100,712+34.0% | $138,895-2.9% |
| Participation rate | 40.0% | 74.3%-34.3pp | 69.3%-29.3pp | 79.9%-39.9pp |
| Annual return | 9.60% | 40.35%-30.8pp | 33.27%-23.7pp | 145.39%-135.8pp |
| Employer contribution / active EE | $958 | $2,771-65.4% | $2,313-58.6% | $4,194-77.2% |
| Participant deferral / active EE | $1,759 | $4,699-62.6% | $4,085-56.9% | $6,396-72.5% |
| Admin fee / account holder | $1,242 | $10,844-88.5% | $9,256-86.6% | $12,562-90.1% |