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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 | $58,690 | $59,467-1.3% | $93,727-37.4% | $74,478-21.2% |
| Participation rate | 40.9% | 59.6%-18.7pp | 68.7%-27.8pp | 67.2%-26.3pp |
| Annual return | 8.85% | 82.14%-73.3pp | 133.83%-125.0pp | 1370.56%-1361.7pp |
| Employer contribution / active EE | $2,306 | $1,267+82.1% | $2,421-4.8% | $2,626-12.2% |
| Participant deferral / active EE | $3,918 | $3,052+28.4% | $4,417-11.3% | $4,350-9.9% |
| Admin fee / account holder | $6,643 | $3,028+119.3% | $8,292-19.9% | $1,946+241.4% |