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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 | $71,769 | $166,268-56.8% | $165,100-56.5% | $145,897-50.8% |
| Participation rate | 64.7% | 82.0%-17.3pp | 78.6%-13.9pp | 80.3%-15.6pp |
| Annual return | 8.55% | 100.52%-92.0pp | 70.21%-61.7pp | 552.29%-543.7pp |
| Employer contribution / active EE | $2,721 | $5,284-48.5% | $4,348-37.4% | $4,663-41.6% |
| Participant deferral / active EE | $8,398 | $6,964+20.6% | $6,035+39.1% | $6,689+25.5% |
| Admin fee / account holder | $35,922 | $16,659+115.6% | $12,696+183.0% | $13,390+168.3% |