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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 | $55,268 | $148,623-62.8% | $135,974-59.4% | $139,466-60.4% |
| Participation rate | 42.9% | 83.9%-41.0pp | 81.9%-39.1pp | 80.3%-37.5pp |
| Annual return | 9.97% | 79.30%-69.3pp | 68.30%-58.3pp | 373.66%-363.7pp |
| Employer contribution / active EE | $4,610 | $5,246-12.1% | $4,859-5.1% | $4,754-3.0% |
| Participant deferral / active EE | $10,665 | $8,103+31.6% | $7,760+37.4% | $6,712+58.9% |
| Admin fee / account holder | $141,360 | $12,406+1039.5% | $10,767+1213.0% | $11,409+1139.1% |