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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 | $144,103 | $176,077-18.2% | $159,455-9.6% | $167,518-14.0% |
| Participation rate | 42.9% | 84.9%-42.1pp | 82.8%-40.0pp | 82.1%-39.3pp |
| Annual return | 9.83% | 331.83%-322.0pp | 263.63%-253.8pp | 478.71%-468.9pp |
| Employer contribution / active EE | $1,905 | $5,298-64.0% | $4,830-60.6% | $4,838-60.6% |
| Participant deferral / active EE | $3,933 | $7,751-49.3% | $7,353-46.5% | $6,342-38.0% |
| Admin fee / account holder | $1,891 | $12,556-84.9% | $10,800-82.5% | $12,312-84.6% |