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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 | $74,698 | $183,539-59.3% | $155,556-52.0% | $145,897-48.8% |
| Participation rate | 57.1% | 82.7%-25.6pp | 78.2%-21.1pp | 80.3%-23.2pp |
| Annual return | 6.31% | 61.31%-55.0pp | 64.84%-58.5pp | 552.29%-546.0pp |
| Employer contribution / active EE | $7,027 | $5,315+32.2% | $4,675+50.3% | $4,663+50.7% |
| Participant deferral / active EE | $5,294 | $6,467-18.1% | $5,631-6.0% | $6,689-20.9% |
| Admin fee / account holder | $1,557 | $19,275-91.9% | $15,885-90.2% | $13,390-88.4% |