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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 | $62,419 | $160,028-61.0% | $147,080-57.6% | $145,884-57.2% |
| Participation rate | 58.3% | 84.0%-25.7pp | 82.2%-23.8pp | 80.3%-22.0pp |
| Annual return | 6.14% | 98.60%-92.5pp | 420.17%-414.0pp | 551.85%-545.7pp |
| Employer contribution / active EE | $1,922 | $5,286-63.6% | $4,933-61.0% | $4,662-58.8% |
| Participant deferral / active EE | $3,217 | $8,422-61.8% | $8,066-60.1% | $6,690-51.9% |
| Admin fee / account holder | $9,909 | $15,030-34.1% | $12,989-23.7% | $13,392-26.0% |