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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% | $155,574-30.8% | $145,877-26.2% |
| Participation rate | 57.1% | 82.7%-25.6pp | 78.2%-21.1pp | 80.3%-23.2pp |
| Annual return | 3.41% | 61.37%-58.0pp | 64.87%-61.5pp | 551.28%-547.9pp |
| Employer contribution / active EE | $7,528 | $5,317+41.6% | $4,676+61.0% | $4,663+61.4% |
| Participant deferral / active EE | $7,069 | $6,466+9.3% | $5,629+25.6% | $6,691+5.7% |
| Admin fee / account holder | $4,029 | $19,316-79.1% | $15,914-74.7% | $13,402-69.9% |