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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 | $153,680 | $217,432-29.3% | $185,851-17.3% | $167,553-8.3% |
| Participation rate | 45.5% | 86.1%-40.6pp | 81.7%-36.3pp | 82.1%-36.7pp |
| Annual return | 7.85% | 148.43%-140.6pp | 122.11%-114.3pp | 478.89%-471.0pp |
| Employer contribution / active EE | $1,365 | $5,874-76.8% | $5,168-73.6% | $4,840-71.8% |
| Participant deferral / active EE | $3,630 | $6,357-42.9% | $5,569-34.8% | $6,343-42.8% |
| Admin fee / account holder | $2,123 | $19,820-89.3% | $16,245-86.9% | $12,316-82.8% |