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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 | $80,638 | $111,535-27.7% | $105,223-23.4% | $137,256-41.2% |
| Participation rate | 28.6% | 78.1%-49.5pp | 75.0%-46.5pp | 80.0%-51.4pp |
| Annual return | 11.54% | 237.85%-226.3pp | 180.65%-169.1pp | 220.34%-208.8pp |
| Employer contribution / active EE | $1,123 | $3,939-71.5% | $3,689-69.6% | $4,156-73.0% |
| Participant deferral / active EE | $2,090 | $5,500-62.0% | $5,072-58.8% | $6,407-67.4% |
| Admin fee / account holder | $4,100 | $9,721-57.8% | $8,859-53.7% | $12,270-66.6% |