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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 | $160,028-69.5% | $147,080-66.8% | $145,884-66.6% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 9.12% | 98.60%-89.5pp | 420.17%-411.0pp | 551.85%-542.7pp |
| Employer contribution / active EE | $6,136 | $5,286+16.1% | $4,933+24.4% | $4,662+31.6% |
| Participant deferral / active EE | $6,009 | $8,422-28.7% | $8,066-25.5% | $6,690-10.2% |
| Admin fee / account holder | $5,985 | $15,030-60.2% | $12,989-53.9% | $13,392-55.3% |