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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 | $92,219 | $175,231-47.4% | $149,696-38.4% | $139,466-33.9% |
| Participation rate | 64.7% | 83.4%-18.7pp | 78.8%-14.1pp | 80.3%-15.6pp |
| Annual return | 8.44% | 166.77%-158.3pp | 134.46%-126.0pp | 373.66%-365.2pp |
| Employer contribution / active EE | $4,590 | $5,478-16.2% | $4,821-4.8% | $4,754-3.4% |
| Participant deferral / active EE | $5,176 | $6,521-20.6% | $5,682-8.9% | $6,712-22.9% |
| Admin fee / account holder | $608 | $16,155-96.2% | $13,212-95.4% | $11,409-94.7% |