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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 | $33,713 | $172,111-80.4% | $150,298-77.6% | $137,256-75.4% |
| Participation rate | 63.6% | 81.7%-18.1pp | 77.8%-14.1pp | 80.0%-16.3pp |
| Annual return | 8.22% | 69.37%-61.2pp | 62.79%-54.6pp | 220.34%-212.1pp |
| Employer contribution / active EE | $1,856 | $4,636-60.0% | $4,154-55.3% | $4,156-55.3% |
| Participant deferral / active EE | $6,398 | $6,166+3.8% | $5,453+17.3% | $6,407-0.1% |
| Admin fee / account holder | $58,717 | $16,471+256.5% | $14,116+316.0% | $12,270+378.5% |