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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 | $33,840 | $174,379-80.6% | $152,093-77.8% | $138,895-75.6% |
| Participation rate | 63.6% | 81.6%-18.0pp | 77.8%-14.1pp | 79.9%-16.3pp |
| Annual return | 10.56% | 74.86%-64.3pp | 66.36%-55.8pp | 145.39%-134.8pp |
| Employer contribution / active EE | $1,485 | $4,652-68.1% | $4,175-64.4% | $4,194-64.6% |
| Participant deferral / active EE | $2,393 | $6,159-61.1% | $5,451-56.1% | $6,396-62.6% |
| Admin fee / account holder | $25,226 | $16,880+49.4% | $14,497+74.0% | $12,562+100.8% |