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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 | $58,238 | $88,702-34.3% | $81,780-28.8% | $145,978-60.1% |
| Participation rate | 60.0% | 75.0%-15.0pp | 72.4%-12.4pp | 80.3%-20.3pp |
| Annual return | 9.52% | 1029.12%-1019.6pp | 776.27%-766.8pp | 550.52%-541.0pp |
| Employer contribution / active EE | $2,256 | $3,084-26.9% | $2,914-22.6% | $4,662-51.6% |
| Participant deferral / active EE | $6,276 | $4,645+35.1% | $4,321+45.2% | $6,690-6.2% |
| Admin fee / account holder | $2,510 | $8,414-70.2% | $7,384-66.0% | $13,400-81.3% |