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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 | $78,459 | $217,432-63.9% | $185,851-57.8% | $167,553-53.2% |
| Participation rate | 66.7% | 86.1%-19.4pp | 81.7%-15.0pp | 82.1%-15.4pp |
| Annual return | 8.57% | 148.43%-139.9pp | 122.11%-113.5pp | 478.89%-470.3pp |
| Employer contribution / active EE | $4,333 | $5,874-26.2% | $5,168-16.2% | $4,840-10.5% |
| Participant deferral / active EE | $4,933 | $6,357-22.4% | $5,569-11.4% | $6,343-22.2% |
| Admin fee / account holder | $5,505 | $19,820-72.2% | $16,245-66.1% | $12,316-55.3% |