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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 | $67,845 | $184,000-63.1% | $162,185-58.2% | $152,909-55.6% |
| Participation rate | 64.7% | 88.5%-23.8pp | 87.6%-22.8pp | 82.5%-17.7pp |
| Annual return | 12.74% | 150.80%-138.1pp | 115.61%-102.9pp | 345.46%-332.7pp |
| Employer contribution / active EE | $2,732 | $6,370-57.1% | $5,613-51.3% | $4,764-42.6% |
| Participant deferral / active EE | $8,223 | $8,033+2.4% | $7,297+12.7% | $5,851+40.5% |
| Admin fee / account holder | $578 | $13,124-95.6% | $10,844-94.7% | $11,601-95.0% |