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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 | $103,890 | $175,231-40.7% | $149,696-30.6% | $139,466-25.5% |
| Participation rate | 52.4% | 83.4%-31.0pp | 78.8%-26.4pp | 80.3%-28.0pp |
| Annual return | 9.44% | 166.77%-157.3pp | 134.46%-125.0pp | 373.66%-364.2pp |
| Employer contribution / active EE | $0 | $5,478-100.0% | $4,821-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $7,828 | $6,521+20.0% | $5,682+37.8% | $6,712+16.6% |
| Admin fee / account holder | $4,655 | $16,155-71.2% | $13,212-64.8% | $11,409-59.2% |