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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 | $166,242-79.4% | $165,071-79.2% | $145,884-76.5% |
| Participation rate | 59.1% | 82.0%-22.9pp | 78.6%-19.5pp | 80.3%-21.2pp |
| Annual return | 4.24% | 100.44%-96.2pp | 70.17%-65.9pp | 551.85%-547.6pp |
| Employer contribution / active EE | $1,764 | $5,283-66.6% | $4,347-59.4% | $4,662-62.2% |
| Participant deferral / active EE | $4,087 | $6,964-41.3% | $6,035-32.3% | $6,690-38.9% |
| Admin fee / account holder | $86,973 | $16,658+422.1% | $12,695+585.1% | $13,392+549.4% |