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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 | $91,935 | $165,351-44.4% | $149,710-38.6% | $158,931-42.2% |
| Participation rate | 62.5% | 84.6%-22.1pp | 82.5%-20.0pp | 82.0%-19.5pp |
| Annual return | 5.43% | 348.19%-342.8pp | 276.63%-271.2pp | 302.86%-297.4pp |
| Employer contribution / active EE | $1,660 | $5,103-67.5% | $4,645-64.3% | $4,761-65.1% |
| Participant deferral / active EE | $4,330 | $7,181-39.7% | $6,842-36.7% | $5,982-27.6% |
| Admin fee / account holder | $32,084 | $10,807+196.9% | $9,309+244.6% | $11,247+185.3% |