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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 | $77,561 | $88,710-12.6% | $81,783-5.2% | $145,959-46.9% |
| Participation rate | 62.5% | 75.0%-12.5pp | 72.4%-9.9pp | 80.3%-17.8pp |
| Annual return | 8.11% | 1027.26%-1019.1pp | 775.05%-766.9pp | 561.95%-553.8pp |
| Employer contribution / active EE | $2,136 | $3,083-30.7% | $2,913-26.7% | $4,661-54.2% |
| Participant deferral / active EE | $5,185 | $4,645+11.6% | $4,320+20.0% | $6,689-22.5% |
| Admin fee / account holder | $3,126 | $8,407-62.8% | $7,380-57.6% | $13,398-76.7% |