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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 | $84,564 | $175,259-51.7% | $149,723-43.5% | $139,487-39.4% |
| Participation rate | 46.7% | 83.4%-36.7pp | 78.8%-32.1pp | 80.3%-33.7pp |
| Annual return | 10.23% | 166.82%-156.6pp | 134.50%-124.3pp | 373.84%-363.6pp |
| Employer contribution / active EE | $1,397 | $5,478-74.5% | $4,821-71.0% | $4,755-70.6% |
| Participant deferral / active EE | $2,625 | $6,522-59.7% | $5,682-53.8% | $6,713-60.9% |
| Admin fee / account holder | $10,920 | $16,158-32.4% | $13,215-17.4% | $11,407-4.3% |