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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 | $107,603 | $183,592-41.4% | $155,567-30.8% | $145,959-26.3% |
| Participation rate | 57.1% | 82.7%-25.5pp | 78.2%-21.1pp | 80.3%-23.1pp |
| Annual return | 3.41% | 61.24%-57.8pp | 64.74%-61.3pp | 561.95%-558.5pp |
| Employer contribution / active EE | $7,528 | $5,315+41.6% | $4,674+61.1% | $4,661+61.5% |
| Participant deferral / active EE | $7,069 | $6,464+9.4% | $5,628+25.6% | $6,689+5.7% |
| Admin fee / account holder | $4,029 | $19,318-79.1% | $15,916-74.7% | $13,398-69.9% |