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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 | $85,904 | $160,040-46.3% | $147,096-41.6% | $145,877-41.1% |
| Participation rate | 57.1% | 84.0%-26.9pp | 82.2%-25.0pp | 80.3%-23.2pp |
| Annual return | 7.70% | 98.49%-90.8pp | 419.75%-412.1pp | 551.28%-543.6pp |
| Employer contribution / active EE | $2,642 | $5,289-50.1% | $4,936-46.5% | $4,663-43.3% |
| Participant deferral / active EE | $10,037 | $8,429+19.1% | $8,071+24.4% | $6,691+50.0% |
| Admin fee / account holder | $40,972 | $15,050+172.2% | $13,005+215.0% | $13,402+205.7% |