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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 | $61,295 | $174,379-64.8% | $152,093-59.7% | $138,895-55.9% |
| Participation rate | 57.1% | 81.6%-24.5pp | 77.8%-20.6pp | 79.9%-22.8pp |
| Annual return | 10.93% | 74.86%-63.9pp | 66.36%-55.4pp | 145.39%-134.5pp |
| Employer contribution / active EE | $2,630 | $4,652-43.5% | $4,175-37.0% | $4,194-37.3% |
| Participant deferral / active EE | $3,488 | $6,159-43.4% | $5,451-36.0% | $6,396-45.5% |
| Admin fee / account holder | $10,606 | $16,880-37.2% | $14,497-26.8% | $12,562-15.6% |