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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 | $183,516-42.5% | $155,534-32.1% | $145,884-27.6% |
| Participation rate | 65.2% | 82.7%-17.5pp | 78.2%-13.0pp | 80.3%-15.1pp |
| Annual return | 8.63% | 61.43%-52.8pp | 64.92%-56.3pp | 551.85%-543.2pp |
| Employer contribution / active EE | $1,163 | $5,315-78.1% | $4,675-75.1% | $4,662-75.1% |
| Participant deferral / active EE | $2,619 | $6,467-59.5% | $5,630-53.5% | $6,690-60.8% |
| Admin fee / account holder | $33,306 | $19,293+72.6% | $15,900+109.5% | $13,392+148.7% |