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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 | $94,341 | $134,817-30.0% | $123,973-23.9% | $155,188-39.2% |
| Participation rate | 63.6% | 79.4%-15.8pp | 76.7%-13.0pp | 80.8%-17.2pp |
| Annual return | 6.62% | 515.49%-508.9pp | 388.13%-381.5pp | 148.84%-142.2pp |
| Employer contribution / active EE | $3,775 | $4,425-14.7% | $4,126-8.5% | $4,248-11.1% |
| Participant deferral / active EE | $5,484 | $5,706-3.9% | $5,247+4.5% | $6,531-16.0% |
| Admin fee / account holder | $23,162 | $13,245+74.9% | $11,799+96.3% | $14,480+60.0% |