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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 | $38,699 | $112,131-65.5% | $95,964-59.7% | $158,982-75.7% |
| Participation rate | 55.6% | 79.0%-23.4pp | 77.1%-21.5pp | 82.0%-26.4pp |
| Annual return | 5.92% | 171.19%-165.3pp | 91.64%-85.7pp | 302.99%-297.1pp |
| Employer contribution / active EE | $4,852 | $3,199+51.7% | $2,541+90.9% | $4,763+1.9% |
| Participant deferral / active EE | $8,260 | $4,784+72.7% | $4,167+98.2% | $5,983+38.0% |
| Admin fee / account holder | $12,116 | $10,136+19.5% | $6,797+78.3% | $11,252+7.7% |