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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 | $64,093 | $160,028-59.9% | $147,080-56.4% | $145,884-56.1% |
| Participation rate | 41.7% | 84.0%-42.4pp | 82.2%-40.5pp | 80.3%-38.6pp |
| Annual return | 7.32% | 98.60%-91.3pp | 420.17%-412.8pp | 551.85%-544.5pp |
| Employer contribution / active EE | $1,426 | $5,286-73.0% | $4,933-71.1% | $4,662-69.4% |
| Participant deferral / active EE | $5,465 | $8,422-35.1% | $8,066-32.3% | $6,690-18.3% |
| Admin fee / account holder | $56,350 | $15,030+274.9% | $12,989+333.8% | $13,392+320.8% |