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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 | $101,489 | $165,399-38.6% | $149,745-32.2% | $158,982-36.2% |
| Participation rate | 66.7% | 84.6%-17.9pp | 82.5%-15.8pp | 82.0%-15.3pp |
| Annual return | 6.88% | 348.34%-341.5pp | 276.72%-269.8pp | 302.99%-296.1pp |
| Employer contribution / active EE | $7,547 | $5,105+47.8% | $4,646+62.4% | $4,763+58.4% |
| Participant deferral / active EE | $15,167 | $7,183+111.2% | $6,843+121.6% | $5,983+153.5% |
| Admin fee / account holder | $1,825 | $10,811-83.1% | $9,312-80.4% | $11,252-83.8% |