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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 | $159,978-59.9% | $147,041-56.4% | $145,978-56.1% |
| Participation rate | 41.7% | 84.0%-42.3pp | 82.2%-40.5pp | 80.3%-38.6pp |
| Annual return | 7.32% | 98.36%-91.0pp | 419.21%-411.9pp | 550.52%-543.2pp |
| Employer contribution / active EE | $1,426 | $5,288-73.0% | $4,935-71.1% | $4,662-69.4% |
| Participant deferral / active EE | $5,465 | $8,429-35.2% | $8,071-32.3% | $6,690-18.3% |
| Admin fee / account holder | $56,350 | $15,053+274.3% | $13,006+333.3% | $13,400+320.5% |