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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 | $135,086 | $202,342-33.2% | $172,753-21.8% | $152,909-11.7% |
| Participation rate | 64.3% | 87.1%-22.8pp | 82.6%-18.4pp | 82.5%-18.2pp |
| Annual return | 8.27% | 1029.88%-1021.6pp | 803.00%-794.7pp | 345.46%-337.2pp |
| Employer contribution / active EE | $1,921 | $5,857-67.2% | $5,144-62.7% | $4,764-59.7% |
| Participant deferral / active EE | $5,102 | $5,948-14.2% | $5,198-1.8% | $5,851-12.8% |
| Admin fee / account holder | $17,333 | $17,112+1.3% | $13,956+24.2% | $11,601+49.4% |