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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 | $68,598 | $198,457-65.4% | $170,435-59.8% | $147,586-53.5% |
| Participation rate | 60.0% | 88.0%-28.0pp | 83.6%-23.6pp | 82.8%-22.8pp |
| Annual return | 7.38% | 257.30%-249.9pp | 205.94%-198.6pp | 578.59%-571.2pp |
| Employer contribution / active EE | $1,617 | $6,183-73.8% | $5,432-70.2% | $4,876-66.8% |
| Participant deferral / active EE | $2,399 | $5,629-57.4% | $4,939-51.4% | $5,439-55.9% |
| Admin fee / account holder | $832 | $16,852-95.1% | $13,881-94.0% | $10,886-92.4% |