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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 | $46,993 | $202,342-76.8% | $172,753-72.8% | $152,909-69.3% |
| Participation rate | 63.6% | 87.1%-23.4pp | 82.6%-19.0pp | 82.5%-18.8pp |
| Annual return | 10.95% | 1029.88%-1018.9pp | 803.00%-792.0pp | 345.46%-334.5pp |
| Employer contribution / active EE | $0 | $5,857-100.0% | $5,144-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $6,111 | $5,948+2.7% | $5,198+17.6% | $5,851+4.4% |
| Admin fee / account holder | $14,282 | $17,112-16.5% | $13,956+2.3% | $11,601+23.1% |