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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 | $109,603 | $183,592-40.3% | $155,567-29.5% | $145,959-24.9% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.5pp | 80.3%-13.6pp |
| Annual return | 5.30% | 61.24%-55.9pp | 64.74%-59.4pp | 561.95%-556.7pp |
| Employer contribution / active EE | $4,536 | $5,315-14.7% | $4,674-3.0% | $4,661-2.7% |
| Participant deferral / active EE | $20,000 | $6,464+209.4% | $5,628+255.4% | $6,689+199.0% |
| Admin fee / account holder | $1,022 | $19,318-94.7% | $15,916-93.6% | $13,398-92.4% |