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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 | $173,766 | $198,457-12.4% | $170,435+2.0% | $147,586+17.7% |
| Participation rate | 60.0% | 88.0%-28.0pp | 83.6%-23.6pp | 82.8%-22.8pp |
| Annual return | 8.72% | 257.30%-248.6pp | 205.94%-197.2pp | 578.59%-569.9pp |
| Employer contribution / active EE | $2,266 | $6,183-63.3% | $5,432-58.3% | $4,876-53.5% |
| Participant deferral / active EE | $7,524 | $5,629+33.7% | $4,939+52.3% | $5,439+38.3% |
| Admin fee / account holder | $1,902 | $16,852-88.7% | $13,881-86.3% | $10,886-82.5% |