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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 | $63,824 | $160,040-60.1% | $147,096-56.6% | $145,877-56.2% |
| Participation rate | 40.0% | 84.0%-44.0pp | 82.2%-42.2pp | 80.3%-40.3pp |
| Annual return | 6.82% | 98.49%-91.7pp | 419.75%-412.9pp | 551.28%-544.5pp |
| Employer contribution / active EE | $1,258 | $5,289-76.2% | $4,936-74.5% | $4,663-73.0% |
| Participant deferral / active EE | $3,564 | $8,429-57.7% | $8,071-55.8% | $6,691-46.7% |
| Admin fee / account holder | $1,004 | $15,050-93.3% | $13,005-92.3% | $13,402-92.5% |