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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 | $36,069 | $162,529-77.8% | $130,788-72.4% | $154,746-76.7% |
| Participation rate | 69.2% | 75.9%-6.6pp | 70.1%-0.9pp | 80.7%-11.5pp |
| Annual return | 4.78% | 510.48%-505.7pp | 386.44%-381.7pp | 172.34%-167.6pp |
| Employer contribution / active EE | $1,393 | $4,447-68.7% | $3,558-60.9% | $4,379-68.2% |
| Participant deferral / active EE | $4,304 | $4,808-10.5% | $4,137+4.0% | $6,730-36.0% |
| Admin fee / account holder | $28,357 | $7,669+269.8% | $6,673+325.0% | $14,365+97.4% |