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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 | $92,271 | $197,637-53.3% | $177,848-48.1% | $158,982-42.0% |
| Participation rate | 55.6% | 88.5%-33.0pp | 87.7%-32.2pp | 82.0%-26.4pp |
| Annual return | 6.82% | 58.77%-51.9pp | 48.33%-41.5pp | 302.99%-296.2pp |
| Employer contribution / active EE | $3,332 | $6,698-50.3% | $5,919-43.7% | $4,763-30.0% |
| Participant deferral / active EE | $7,922 | $8,405-5.7% | $7,714+2.7% | $5,983+32.4% |
| Admin fee / account holder | $8,551 | $15,406-44.5% | $12,431-31.2% | $11,252-24.0% |