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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 | $102,548 | $160,040-35.9% | $147,096-30.3% | $145,877-29.7% |
| Participation rate | 68.4% | 84.0%-15.6pp | 82.2%-13.8pp | 80.3%-11.9pp |
| Annual return | 7.40% | 98.49%-91.1pp | 419.75%-412.4pp | 551.28%-543.9pp |
| Employer contribution / active EE | $0 | $5,289-100.0% | $4,936-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $7,612 | $8,429-9.7% | $8,071-5.7% | $6,691+13.8% |
| Admin fee / account holder | $56,468 | $15,050+275.2% | $13,005+334.2% | $13,402+321.3% |