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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 | $116,606 | $183,592-36.5% | $155,567-25.0% | $145,959-20.1% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.5pp | 80.3%-13.6pp |
| Annual return | 8.49% | 61.24%-52.7pp | 64.74%-56.2pp | 561.95%-553.5pp |
| Employer contribution / active EE | $8,217 | $5,315+54.6% | $4,674+75.8% | $4,661+76.3% |
| Participant deferral / active EE | $5,944 | $6,464-8.0% | $5,628+5.6% | $6,689-11.1% |
| Admin fee / account holder | $937 | $19,318-95.1% | $15,916-94.1% | $13,398-93.0% |