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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 | $76,562 | $209,422-63.4% | $178,503-57.1% | $158,982-51.8% |
| Participation rate | 66.7% | 86.4%-19.7pp | 81.9%-15.3pp | 82.0%-15.3pp |
| Annual return | 3.97% | 188.81%-184.8pp | 151.12%-147.1pp | 302.99%-299.0pp |
| Employer contribution / active EE | $1,999 | $5,707-65.0% | $5,011-60.1% | $4,763-58.0% |
| Participant deferral / active EE | $9,756 | $5,955+63.8% | $5,202+87.5% | $5,983+63.0% |
| Admin fee / account holder | $6,137 | $17,079-64.1% | $13,987-56.1% | $11,252-45.5% |