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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 | $82,469 | $166,268-50.4% | $165,100-50.0% | $145,897-43.5% |
| Participation rate | 44.4% | 82.0%-37.6pp | 78.6%-34.2pp | 80.3%-35.9pp |
| Annual return | 7.06% | 100.52%-93.5pp | 70.21%-63.2pp | 552.29%-545.2pp |
| Employer contribution / active EE | $2,318 | $5,284-56.1% | $4,348-46.7% | $4,663-50.3% |
| Participant deferral / active EE | $3,318 | $6,964-52.4% | $6,035-45.0% | $6,689-50.4% |
| Admin fee / account holder | $2,849 | $16,659-82.9% | $12,696-77.6% | $13,390-78.7% |