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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 | $92,118 | $176,077-47.7% | $159,455-42.2% | $167,518-45.0% |
| Participation rate | 33.3% | 84.9%-51.6pp | 82.8%-49.5pp | 82.1%-48.8pp |
| Annual return | 9.31% | 331.83%-322.5pp | 263.63%-254.3pp | 478.71%-469.4pp |
| Employer contribution / active EE | $2,029 | $5,298-61.7% | $4,830-58.0% | $4,838-58.1% |
| Participant deferral / active EE | $5,000 | $7,751-35.5% | $7,353-32.0% | $6,342-21.2% |
| Admin fee / account holder | $1,085 | $12,556-91.4% | $10,800-90.0% | $12,312-91.2% |