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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 | $69,181 | $183,592-62.3% | $155,574-55.5% | $145,877-52.6% |
| Participation rate | 62.5% | 82.7%-20.2pp | 78.2%-15.7pp | 80.3%-17.8pp |
| Annual return | 8.57% | 61.37%-52.8pp | 64.87%-56.3pp | 551.28%-542.7pp |
| Employer contribution / active EE | $1,357 | $5,317-74.5% | $4,676-71.0% | $4,663-70.9% |
| Participant deferral / active EE | $7,021 | $6,466+8.6% | $5,629+24.7% | $6,691+4.9% |
| Admin fee / account holder | $37,829 | $19,316+95.8% | $15,914+137.7% | $13,402+182.3% |