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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 | $67,734 | $183,516-63.1% | $155,534-56.5% | $145,884-53.6% |
| Participation rate | 60.0% | 82.7%-22.7pp | 78.2%-18.2pp | 80.3%-20.3pp |
| Annual return | 4.71% | 61.43%-56.7pp | 64.92%-60.2pp | 551.85%-547.1pp |
| Employer contribution / active EE | $7,217 | $5,315+35.8% | $4,675+54.4% | $4,662+54.8% |
| Participant deferral / active EE | $9,577 | $6,467+48.1% | $5,630+70.1% | $6,690+43.2% |
| Admin fee / account holder | $603 | $19,293-96.9% | $15,900-96.2% | $13,392-95.5% |