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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 | $120,513 | $160,028-24.7% | $147,080-18.1% | $145,884-17.4% |
| Participation rate | 60.0% | 84.0%-24.0pp | 82.2%-22.2pp | 80.3%-20.3pp |
| Annual return | 8.88% | 98.60%-89.7pp | 420.17%-411.3pp | 551.85%-543.0pp |
| Employer contribution / active EE | $2,671 | $5,286-49.5% | $4,933-45.9% | $4,662-42.7% |
| Participant deferral / active EE | $6,392 | $8,422-24.1% | $8,066-20.8% | $6,690-4.5% |
| Admin fee / account holder | $16,793 | $15,030+11.7% | $12,989+29.3% | $13,392+25.4% |