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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 | $34,320 | $166,268-79.4% | $165,100-79.2% | $145,897-76.5% |
| Participation rate | 59.1% | 82.0%-22.9pp | 78.6%-19.5pp | 80.3%-21.2pp |
| Annual return | 4.24% | 100.52%-96.3pp | 70.21%-66.0pp | 552.29%-548.0pp |
| Employer contribution / active EE | $1,764 | $5,284-66.6% | $4,348-59.4% | $4,663-62.2% |
| Participant deferral / active EE | $4,087 | $6,964-41.3% | $6,035-32.3% | $6,689-38.9% |
| Admin fee / account holder | $86,973 | $16,659+422.1% | $12,696+585.1% | $13,390+549.5% |