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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 | $59,456-1.3% | $93,669-37.3% | $74,429-21.1% |
| Participation rate | 40.9% | 59.6%-18.7pp | 68.7%-27.8pp | 67.2%-26.3pp |
| Annual return | 8.85% | 82.00%-73.2pp | 133.59%-124.7pp | 1368.38%-1359.5pp |
| Employer contribution / active EE | $2,306 | $1,266+82.2% | $2,424-4.8% | $2,625-12.1% |
| Participant deferral / active EE | $3,918 | $3,052+28.4% | $4,416-11.3% | $4,348-9.9% |
| Admin fee / account holder | $6,643 | $3,026+119.5% | $8,291-19.9% | $1,944+241.6% |