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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 | $57,501 | $162,136-64.5% | $152,301-62.2% | $154,746-62.8% |
| Participation rate | 50.0% | 84.1%-34.1pp | 82.4%-32.4pp | 80.7%-30.7pp |
| Annual return | 10.08% | 91.02%-80.9pp | 80.50%-70.4pp | 172.34%-162.3pp |
| Employer contribution / active EE | $1,268 | $4,890-74.1% | $4,624-72.6% | $4,379-71.0% |
| Participant deferral / active EE | $15,183 | $8,341+82.0% | $8,004+89.7% | $6,730+125.6% |
| Admin fee / account holder | $494 | $15,759-96.9% | $14,398-96.6% | $14,365-96.6% |