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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 | $109,761 | $166,020-33.9% | $164,866-33.4% | $145,959-24.8% |
| Participation rate | 66.7% | 82.0%-15.3pp | 78.6%-11.9pp | 80.3%-13.6pp |
| Annual return | 7.46% | 100.08%-92.6pp | 69.97%-62.5pp | 561.95%-554.5pp |
| Employer contribution / active EE | $14,191 | $5,275+169.0% | $4,343+226.8% | $4,661+204.5% |
| Participant deferral / active EE | $13,444 | $6,961+93.1% | $6,033+122.9% | $6,689+101.0% |
| Admin fee / account holder | $22,779 | $16,644+36.9% | $12,689+79.5% | $13,398+70.0% |