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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 | $48,778 | $159,934-69.5% | $147,005-66.8% | $145,959-66.6% |
| Participation rate | 66.7% | 84.0%-17.3pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 9.12% | 98.24%-89.1pp | 418.76%-409.6pp | 561.95%-552.8pp |
| Employer contribution / active EE | $6,136 | $5,287+16.0% | $4,934+24.3% | $4,661+31.6% |
| Participant deferral / active EE | $6,009 | $8,427-28.7% | $8,070-25.5% | $6,689-10.2% |
| Admin fee / account holder | $5,985 | $15,053-60.2% | $13,006-54.0% | $13,398-55.3% |