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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 | $108,941 | $201,370-45.9% | $184,256-40.9% | $145,897-25.3% |
| Participation rate | 12.5% | 87.5%-75.0pp | 86.8%-74.3pp | 80.3%-67.8pp |
| Annual return | 2.56% | 29.05%-26.5pp | 28.85%-26.3pp | 552.29%-549.7pp |
| Employer contribution / active EE | $9,748 | $7,024+38.8% | $6,427+51.7% | $4,663+109.1% |
| Participant deferral / active EE | $5,692 | $9,808-42.0% | $9,133-37.7% | $6,689-14.9% |
| Admin fee / account holder | $2,876 | $16,364-82.4% | $13,899-79.3% | $13,390-78.5% |