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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 | $127,770 | $124,351+2.7% | $109,188+17.0% | $167,553-23.7% |
| Participation rate | 66.7% | 79.4%-12.8pp | 75.9%-9.2pp | 82.1%-15.4pp |
| Annual return | 1.34% | 26.04%-24.7pp | 25.76%-24.4pp | 478.89%-477.6pp |
| Employer contribution / active EE | $1,405 | $4,210-66.6% | $3,723-62.3% | $4,840-71.0% |
| Participant deferral / active EE | $16,848 | $5,257+220.5% | $4,654+262.0% | $6,343+165.6% |
| Admin fee / account holder | $360 | $7,975-95.5% | $6,755-94.7% | $12,316-97.1% |