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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 | $42,381 | $209,422-79.8% | $178,503-76.3% | $158,982-73.3% |
| Participation rate | 47.4% | 86.4%-39.0pp | 81.9%-34.6pp | 82.0%-34.6pp |
| Annual return | 6.12% | 188.81%-182.7pp | 151.12%-145.0pp | 302.99%-296.9pp |
| Employer contribution / active EE | $1,911 | $5,707-66.5% | $5,011-61.9% | $4,763-59.9% |
| Participant deferral / active EE | $3,855 | $5,955-35.3% | $5,202-25.9% | $5,983-35.6% |
| Admin fee / account holder | $10,964 | $17,079-35.8% | $13,987-21.6% | $11,252-2.6% |