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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 | $135,225 | $183,539-26.3% | $155,556-13.1% | $145,897-7.3% |
| Participation rate | 64.7% | 82.7%-18.0pp | 78.2%-13.5pp | 80.3%-15.6pp |
| Annual return | 7.09% | 61.31%-54.2pp | 64.84%-57.8pp | 552.29%-545.2pp |
| Employer contribution / active EE | $1,705 | $5,315-67.9% | $4,675-63.5% | $4,663-63.4% |
| Participant deferral / active EE | $6,465 | $6,4670% | $5,631+14.8% | $6,689-3.3% |
| Admin fee / account holder | $4,010 | $19,275-79.2% | $15,885-74.8% | $13,390-70.1% |