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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 | $87,465 | $108,911-19.7% | $100,392-12.9% | $145,884-40.0% |
| Participation rate | 38.5% | 83.0%-44.5pp | 81.5%-43.0pp | 80.3%-41.8pp |
| Annual return | 10.13% | 58.23%-48.1pp | 49.45%-39.3pp | 551.85%-541.7pp |
| Employer contribution / active EE | $878 | $4,420-80.1% | $3,941-77.7% | $4,662-81.2% |
| Participant deferral / active EE | $2,348 | $8,459-72.2% | $8,090-71.0% | $6,690-64.9% |
| Admin fee / account holder | $1,981 | $9,698-79.6% | $7,904-74.9% | $13,392-85.2% |