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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 | $98,101 | $183,592-46.6% | $155,574-36.9% | $145,877-32.8% |
| Participation rate | 68.8% | 82.7%-13.9pp | 78.2%-9.5pp | 80.3%-11.6pp |
| Annual return | 8.60% | 61.37%-52.8pp | 64.87%-56.3pp | 551.28%-542.7pp |
| Employer contribution / active EE | $2,449 | $5,317-53.9% | $4,676-47.6% | $4,663-47.5% |
| Participant deferral / active EE | $4,820 | $6,466-25.5% | $5,629-14.4% | $6,691-28.0% |
| Admin fee / account holder | $3,848 | $19,316-80.1% | $15,914-75.8% | $13,402-71.3% |