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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 | $166,020-56.8% | $164,866-56.5% | $145,959-50.8% |
| Participation rate | 64.7% | 82.0%-17.3pp | 78.6%-13.9pp | 80.3%-15.6pp |
| Annual return | 8.55% | 100.08%-91.5pp | 69.97%-61.4pp | 561.95%-553.4pp |
| Employer contribution / active EE | $2,721 | $5,275-48.4% | $4,343-37.3% | $4,661-41.6% |
| Participant deferral / active EE | $8,398 | $6,961+20.6% | $6,033+39.2% | $6,689+25.6% |
| Admin fee / account holder | $35,922 | $16,644+115.8% | $12,689+183.1% | $13,398+168.1% |