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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 | $20,754 | $175,231-88.2% | $149,696-86.1% | $139,466-85.1% |
| Participation rate | 66.7% | 83.4%-16.7pp | 78.8%-12.1pp | 80.3%-13.7pp |
| Annual return | 8.87% | 166.77%-157.9pp | 134.46%-125.6pp | 373.66%-364.8pp |
| Employer contribution / active EE | $8,939 | $5,478+63.2% | $4,821+85.4% | $4,754+88.0% |
| Participant deferral / active EE | $11,607 | $6,521+78.0% | $5,682+104.3% | $6,712+72.9% |
| Admin fee / account holder | $27,693 | $16,155+71.4% | $13,212+109.6% | $11,409+142.7% |