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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 | $83,965 | $162,136-48.2% | $152,301-44.9% | $154,746-45.7% |
| Participation rate | 66.7% | 84.1%-17.4pp | 82.4%-15.8pp | 80.7%-14.0pp |
| Annual return | 9.87% | 91.02%-81.1pp | 80.50%-70.6pp | 172.34%-162.5pp |
| Employer contribution / active EE | $5,696 | $4,890+16.5% | $4,624+23.2% | $4,379+30.1% |
| Participant deferral / active EE | $4,319 | $8,341-48.2% | $8,004-46.0% | $6,730-35.8% |
| Admin fee / account holder | $104,917 | $15,759+565.7% | $14,398+628.7% | $14,365+630.4% |