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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 | $45,736 | $183,516-75.1% | $155,534-70.6% | $145,884-68.6% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.6pp | 80.3%-13.6pp |
| Annual return | 7.43% | 61.43%-54.0pp | 64.92%-57.5pp | 551.85%-544.4pp |
| Employer contribution / active EE | $4,561 | $5,315-14.2% | $4,675-2.4% | $4,662-2.2% |
| Participant deferral / active EE | $12,762 | $6,467+97.4% | $5,630+126.7% | $6,690+90.8% |
| Admin fee / account holder | $83,743 | $19,293+334.1% | $15,900+426.7% | $13,392+525.3% |