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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 | $69,875 | $129,737-46.1% | $119,126-41.3% | $154,746-54.8% |
| Participation rate | 60.0% | 78.9%-18.9pp | 75.8%-15.8pp | 80.7%-20.7pp |
| Annual return | 2.48% | 379.08%-376.6pp | 282.11%-279.6pp | 172.34%-169.9pp |
| Employer contribution / active EE | $2,083 | $4,375-52.4% | $4,034-48.4% | $4,379-52.4% |
| Participant deferral / active EE | $12,241 | $5,842+109.5% | $5,318+130.2% | $6,730+81.9% |
| Admin fee / account holder | $52,969 | $11,961+342.9% | $10,693+395.4% | $14,365+268.7% |