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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 | $203,024 | $217,432-6.6% | $185,851+9.2% | $167,553+21.2% |
| Participation rate | 66.7% | 86.1%-19.4pp | 81.7%-15.0pp | 82.1%-15.4pp |
| Annual return | 7.40% | 148.43%-141.0pp | 122.11%-114.7pp | 478.89%-471.5pp |
| Employer contribution / active EE | $1,409 | $5,874-76.0% | $5,168-72.7% | $4,840-70.9% |
| Participant deferral / active EE | $2,385 | $6,357-62.5% | $5,569-57.2% | $6,343-62.4% |
| Admin fee / account holder | $17,363 | $19,820-12.4% | $16,245+6.9% | $12,316+41.0% |