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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 | $107,684 | $217,427-50.5% | $185,837-42.1% | $167,518-35.7% |
| Participation rate | 60.0% | 86.0%-26.0pp | 81.7%-21.7pp | 82.1%-22.1pp |
| Annual return | 7.65% | 148.39%-140.7pp | 122.08%-114.4pp | 478.71%-471.1pp |
| Employer contribution / active EE | $1,986 | $5,874-66.2% | $5,168-61.6% | $4,838-59.0% |
| Participant deferral / active EE | $3,259 | $6,357-48.7% | $5,568-41.5% | $6,342-48.6% |
| Admin fee / account holder | $1,346 | $19,816-93.2% | $16,241-91.7% | $12,312-89.1% |