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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 | $72,155 | $175,259-58.8% | $149,723-51.8% | $139,487-48.3% |
| Participation rate | 41.2% | 83.4%-42.2pp | 78.8%-37.6pp | 80.3%-39.2pp |
| Annual return | 7.35% | 166.82%-159.5pp | 134.50%-127.1pp | 373.84%-366.5pp |
| Employer contribution / active EE | $2,581 | $5,478-52.9% | $4,821-46.5% | $4,755-45.7% |
| Participant deferral / active EE | $5,122 | $6,522-21.5% | $5,682-9.9% | $6,713-23.7% |
| Admin fee / account holder | $21,292 | $16,158+31.8% | $13,215+61.1% | $11,407+86.7% |