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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 | $106,896 | $166,131-35.7% | $164,975-35.2% | $145,877-26.7% |
| Participation rate | 64.3% | 82.0%-17.7pp | 78.6%-14.3pp | 80.3%-16.0pp |
| Annual return | 6.06% | 100.37%-94.3pp | 70.12%-64.1pp | 551.28%-545.2pp |
| Employer contribution / active EE | $2,072 | $5,276-60.7% | $4,343-52.3% | $4,663-55.6% |
| Participant deferral / active EE | $5,984 | $6,962-14.0% | $6,033-0.8% | $6,691-10.6% |
| Admin fee / account holder | $1,464 | $16,648-91.2% | $12,688-88.5% | $13,402-89.1% |