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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 | $88,945 | $183,539-51.5% | $155,556-42.8% | $145,897-39.0% |
| Participation rate | 62.5% | 82.7%-20.2pp | 78.2%-15.7pp | 80.3%-17.8pp |
| Annual return | 5.57% | 61.31%-55.7pp | 64.84%-59.3pp | 552.29%-546.7pp |
| Employer contribution / active EE | $8,653 | $5,315+62.8% | $4,675+85.1% | $4,663+85.6% |
| Participant deferral / active EE | $7,578 | $6,467+17.2% | $5,631+34.6% | $6,689+13.3% |
| Admin fee / account holder | $30,553 | $19,275+58.5% | $15,885+92.3% | $13,390+128.2% |