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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 | $74,875 | $201,264-62.8% | $184,185-59.3% | $145,978-48.7% |
| Participation rate | 66.7% | 87.5%-20.8pp | 86.8%-20.2pp | 80.3%-13.6pp |
| Annual return | 7.36% | 29.00%-21.6pp | 28.81%-21.5pp | 550.52%-543.2pp |
| Employer contribution / active EE | $4,040 | $7,021-42.5% | $6,426-37.1% | $4,662-13.3% |
| Participant deferral / active EE | $10,621 | $9,806+8.3% | $9,132+16.3% | $6,690+58.8% |
| Admin fee / account holder | $24,435 | $16,376+49.2% | $13,909+75.7% | $13,400+82.3% |