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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 | $102,244 | $181,062-43.5% | $158,223-35.4% | $155,188-34.1% |
| Participation rate | 46.2% | 82.7%-36.5pp | 79.2%-33.0pp | 80.8%-34.6pp |
| Annual return | 8.79% | 57.39%-48.6pp | 52.09%-43.3pp | 148.84%-140.1pp |
| Employer contribution / active EE | $4,734 | $4,565+3.7% | $4,109+15.2% | $4,248+11.4% |
| Participant deferral / active EE | $8,507 | $6,134+38.7% | $5,467+55.6% | $6,531+30.3% |
| Admin fee / account holder | $46,246 | $18,825+145.7% | $16,047+188.2% | $14,480+219.4% |