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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 | $166,131-33.9% | $164,975-33.5% | $145,877-24.8% |
| Participation rate | 66.7% | 82.0%-15.3pp | 78.6%-11.9pp | 80.3%-13.6pp |
| Annual return | 7.46% | 100.37%-92.9pp | 70.12%-62.7pp | 551.28%-543.8pp |
| Employer contribution / active EE | $14,191 | $5,276+169.0% | $4,343+226.8% | $4,663+204.3% |
| Participant deferral / active EE | $13,444 | $6,962+93.1% | $6,033+122.8% | $6,691+100.9% |
| Admin fee / account holder | $22,779 | $16,648+36.8% | $12,688+79.5% | $13,402+70.0% |