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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 | $59,681 | $181,062-67.0% | $158,223-62.3% | $155,188-61.5% |
| Participation rate | 50.0% | 82.7%-32.7pp | 79.2%-29.2pp | 80.8%-30.8pp |
| Annual return | 6.23% | 57.39%-51.2pp | 52.09%-45.9pp | 148.84%-142.6pp |
| Employer contribution / active EE | $1,963 | $4,565-57.0% | $4,109-52.2% | $4,248-53.8% |
| Participant deferral / active EE | $4,734 | $6,134-22.8% | $5,467-13.4% | $6,531-27.5% |
| Admin fee / account holder | $68,165 | $18,825+262.1% | $16,047+324.8% | $14,480+370.8% |