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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 | $39,554 | $166,242-76.2% | $165,071-76.0% | $145,884-72.9% |
| Participation rate | 50.0% | 82.0%-32.0pp | 78.6%-28.6pp | 80.3%-30.3pp |
| Annual return | 7.47% | 100.44%-93.0pp | 70.17%-62.7pp | 551.85%-544.4pp |
| Employer contribution / active EE | $2,779 | $5,283-47.4% | $4,347-36.1% | $4,662-40.4% |
| Participant deferral / active EE | $6,242 | $6,964-10.4% | $6,035+3.4% | $6,690-6.7% |
| Admin fee / account holder | $1,365 | $16,658-91.8% | $12,695-89.3% | $13,392-89.8% |