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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 | $143,215 | $125,184+14.4% | $105,607+35.6% | $145,884-1.8% |
| Participation rate | 36.4% | 77.6%-41.3pp | 75.3%-38.9pp | 80.3%-43.9pp |
| Annual return | 5.76% | 225.00%-219.2pp | 116.11%-110.3pp | 551.85%-546.1pp |
| Employer contribution / active EE | $1,430 | $3,720-61.5% | $3,167-54.8% | $4,662-69.3% |
| Participant deferral / active EE | $5,895 | $5,714+3.2% | $5,011+17.6% | $6,690-11.9% |
| Admin fee / account holder | $1,403 | $17,133-91.8% | $10,958-87.2% | $13,392-89.5% |