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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 | $70,267 | $154,228-54.4% | $145,433-51.7% | $137,256-48.8% |
| Participation rate | 45.0% | 83.8%-38.8pp | 82.1%-37.1pp | 80.0%-35.0pp |
| Annual return | 11.42% | 74.59%-63.2pp | 66.58%-55.2pp | 220.34%-208.9pp |
| Employer contribution / active EE | $1,171 | $4,804-75.6% | $4,554-74.3% | $4,156-71.8% |
| Participant deferral / active EE | $2,797 | $8,216-66.0% | $7,897-64.6% | $6,407-56.3% |
| Admin fee / account holder | $28,805 | $14,344+100.8% | $13,129+119.4% | $12,270+134.8% |