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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 | $20,376 | $183,516-88.9% | $155,534-86.9% | $145,884-86.0% |
| Participation rate | 62.5% | 82.7%-20.2pp | 78.2%-15.7pp | 80.3%-17.8pp |
| Annual return | 5.42% | 61.43%-56.0pp | 64.92%-59.5pp | 551.85%-546.4pp |
| Employer contribution / active EE | $9,781 | $5,315+84.0% | $4,675+109.2% | $4,662+109.8% |
| Participant deferral / active EE | $8,155 | $6,467+26.1% | $5,630+44.8% | $6,690+21.9% |
| Admin fee / account holder | $26,253 | $19,293+36.1% | $15,900+65.1% | $13,392+96.0% |