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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 | $75,194 | $88,754-15.3% | $81,820-8.1% | $145,877-48.5% |
| Participation rate | 60.0% | 75.1%-15.1pp | 72.4%-12.4pp | 80.3%-20.3pp |
| Annual return | 8.75% | 1031.77%-1023.0pp | 777.93%-769.2pp | 551.28%-542.5pp |
| Employer contribution / active EE | $2,053 | $3,085-33.5% | $2,915-29.6% | $4,663-56.0% |
| Participant deferral / active EE | $4,969 | $4,648+6.9% | $4,323+15.0% | $6,691-25.7% |
| Admin fee / account holder | $3,246 | $8,424-61.5% | $7,391-56.1% | $13,402-75.8% |