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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 | $34,175 | $176,105-80.6% | $159,474-78.6% | $167,536-79.6% |
| Participation rate | 56.3% | 85.0%-28.7pp | 82.8%-26.6pp | 82.1%-25.9pp |
| Annual return | 7.26% | 331.91%-324.7pp | 263.68%-256.4pp | 478.82%-471.6pp |
| Employer contribution / active EE | $1,289 | $5,299-75.7% | $4,831-73.3% | $4,839-73.4% |
| Participant deferral / active EE | $3,829 | $7,751-50.6% | $7,353-47.9% | $6,342-39.6% |
| Admin fee / account holder | $1,095 | $12,559-91.3% | $10,802-89.9% | $12,315-91.1% |