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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 | $40,890 | $176,105-76.8% | $159,474-74.4% | $167,536-75.6% |
| Participation rate | 66.7% | 85.0%-18.3pp | 82.8%-16.2pp | 82.1%-15.4pp |
| Annual return | 8.72% | 331.91%-323.2pp | 263.68%-255.0pp | 478.82%-470.1pp |
| Employer contribution / active EE | $5,636 | $5,299+6.4% | $4,831+16.7% | $4,839+16.5% |
| Participant deferral / active EE | $12,259 | $7,751+58.2% | $7,353+66.7% | $6,342+93.3% |
| Admin fee / account holder | $23,409 | $12,559+86.4% | $10,802+116.7% | $12,315+90.1% |