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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 | $62,304 | $160,070-61.1% | $147,117-57.7% | $145,897-57.3% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 4.56% | 98.69%-94.1pp | 420.54%-416.0pp | 552.29%-547.7pp |
| Employer contribution / active EE | $5,188 | $5,285-1.8% | $4,932+5.2% | $4,663+11.3% |
| Participant deferral / active EE | $5,834 | $8,419-30.7% | $8,065-27.7% | $6,689-12.8% |
| Admin fee / account holder | $1,079 | $15,035-92.8% | $12,993-91.7% | $13,390-91.9% |