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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 | $147,792 | $209,336-29.4% | $197,124-25.0% | $137,256+7.7% |
| Participation rate | 50.0% | 87.3%-37.3pp | 86.7%-36.7pp | 80.0%-30.0pp |
| Annual return | 7.70% | 48.09%-40.4pp | 44.34%-36.6pp | 220.34%-212.6pp |
| Employer contribution / active EE | $1,500 | $6,591-77.2% | $6,227-75.9% | $4,156-63.9% |
| Participant deferral / active EE | $3,750 | $9,614-61.0% | $9,135-58.9% | $6,407-41.5% |
| Admin fee / account holder | $2,208 | $17,308-87.2% | $16,298-86.5% | $12,270-82.0% |