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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 | $105,599 | $183,592-42.5% | $155,574-32.1% | $145,877-27.6% |
| Participation rate | 65.2% | 82.7%-17.5pp | 78.2%-13.0pp | 80.3%-15.1pp |
| Annual return | 8.63% | 61.37%-52.7pp | 64.87%-56.2pp | 551.28%-542.7pp |
| Employer contribution / active EE | $1,163 | $5,317-78.1% | $4,676-75.1% | $4,663-75.1% |
| Participant deferral / active EE | $2,619 | $6,466-59.5% | $5,629-53.5% | $6,691-60.9% |
| Admin fee / account holder | $33,306 | $19,316+72.4% | $15,914+109.3% | $13,402+148.5% |