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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 | $52,518 | $99,011-47.0% | $86,582-39.3% | $147,586-64.4% |
| Participation rate | 50.0% | 76.3%-26.3pp | 73.5%-23.5pp | 82.8%-32.8pp |
| Annual return | 3.03% | 1312.75%-1309.7pp | 965.08%-962.1pp | 578.59%-575.6pp |
| Employer contribution / active EE | $3,667 | $3,132+17.1% | $2,839+29.1% | $4,876-24.8% |
| Participant deferral / active EE | $4,583 | $3,972+15.4% | $3,609+27.0% | $5,439-15.7% |
| Admin fee / account holder | $14,167 | $5,709+148.2% | $4,904+188.9% | $10,886+30.1% |