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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 | $149,040-75.8% | $120,225-70.0% | $137,256-73.7% |
| Participation rate | 69.2% | 75.4%-6.2pp | 69.6%-0.3pp | 80.0%-10.7pp |
| Annual return | 4.78% | 605.68%-600.9pp | 439.23%-434.4pp | 220.34%-215.6pp |
| Employer contribution / active EE | $1,393 | $4,350-68.0% | $3,475-59.9% | $4,156-66.5% |
| Participant deferral / active EE | $4,304 | $4,655-7.5% | $3,999+7.6% | $6,407-32.8% |
| Admin fee / account holder | $28,357 | $6,348+346.7% | $5,696+397.8% | $12,270+131.1% |