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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 | $46,001 | $183,516-74.9% | $155,534-70.4% | $145,884-68.5% |
| Participation rate | 55.6% | 82.7%-27.1pp | 78.2%-22.7pp | 80.3%-24.7pp |
| Annual return | 7.73% | 61.43%-53.7pp | 64.92%-57.2pp | 551.85%-544.1pp |
| Employer contribution / active EE | $1,884 | $5,315-64.6% | $4,675-59.7% | $4,662-59.6% |
| Participant deferral / active EE | $4,020 | $6,467-37.8% | $5,630-28.6% | $6,690-39.9% |
| Admin fee / account holder | $17,455 | $19,293-9.5% | $15,900+9.8% | $13,392+30.3% |