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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 | $155,582 | $217,432-28.4% | $185,849-16.3% | $167,536-7.1% |
| Participation rate | 66.7% | 86.1%-19.4pp | 81.7%-15.0pp | 82.1%-15.4pp |
| Annual return | 4.18% | 148.42%-144.2pp | 122.10%-117.9pp | 478.82%-474.6pp |
| Employer contribution / active EE | $3,304 | $5,875-43.8% | $5,169-36.1% | $4,839-31.7% |
| Participant deferral / active EE | $17,333 | $6,357+172.6% | $5,569+211.3% | $6,342+173.3% |
| Admin fee / account holder | $16,303 | $19,818-17.7% | $16,244+0.4% | $12,315+32.4% |