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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 | $89,932 | $160,070-43.8% | $147,117-38.9% | $145,897-38.4% |
| Participation rate | 53.8% | 84.0%-30.2pp | 82.2%-28.3pp | 80.3%-26.5pp |
| Annual return | 9.44% | 98.69%-89.2pp | 420.54%-411.1pp | 552.29%-542.8pp |
| Employer contribution / active EE | $2,239 | $5,285-57.6% | $4,932-54.6% | $4,663-52.0% |
| Participant deferral / active EE | $5,906 | $8,419-29.9% | $8,065-26.8% | $6,689-11.7% |
| Admin fee / account holder | $57,290 | $15,035+281.0% | $12,993+340.9% | $13,390+327.8% |