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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 | $71,823 | $201,370-64.3% | $184,256-61.0% | $145,897-50.8% |
| Participation rate | 65.2% | 87.5%-22.3pp | 86.8%-21.6pp | 80.3%-15.1pp |
| Annual return | 7.75% | 29.05%-21.3pp | 28.85%-21.1pp | 552.29%-544.5pp |
| Employer contribution / active EE | $1,826 | $7,024-74.0% | $6,427-71.6% | $4,663-60.8% |
| Participant deferral / active EE | $4,412 | $9,808-55.0% | $9,133-51.7% | $6,689-34.0% |
| Admin fee / account holder | $33,070 | $16,364+102.1% | $13,899+137.9% | $13,390+147.0% |