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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 | $87,567 | $182,442-52.0% | $163,379-46.4% | $138,895-37.0% |
| Participation rate | 66.7% | 79.8%-13.1pp | 76.8%-10.2pp | 79.9%-13.3pp |
| Annual return | 9.61% | 72.74%-63.1pp | 63.41%-53.8pp | 145.39%-135.8pp |
| Employer contribution / active EE | $2,093 | $4,159-49.7% | $3,752-44.2% | $4,194-50.1% |
| Participant deferral / active EE | $2,617 | $6,817-61.6% | $6,282-58.3% | $6,396-59.1% |
| Admin fee / account holder | $519 | $10,396-95.0% | $9,818-94.7% | $12,562-95.9% |