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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 | $58,238 | $88,778-34.4% | $81,844-28.8% | $145,884-60.1% |
| Participation rate | 60.0% | 75.1%-15.1pp | 72.4%-12.4pp | 80.3%-20.3pp |
| Annual return | 9.52% | 1033.03%-1023.5pp | 778.87%-769.4pp | 551.85%-542.3pp |
| Employer contribution / active EE | $2,256 | $3,087-26.9% | $2,916-22.6% | $4,662-51.6% |
| Participant deferral / active EE | $6,276 | $4,648+35.0% | $4,323+45.2% | $6,690-6.2% |
| Admin fee / account holder | $2,510 | $8,430-70.2% | $7,355-65.9% | $13,392-81.3% |