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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 | $64,412 | $160,070-59.8% | $147,117-56.2% | $145,897-55.9% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 6.30% | 98.69%-92.4pp | 420.54%-414.2pp | 552.29%-546.0pp |
| Employer contribution / active EE | $2,860 | $5,285-45.9% | $4,932-42.0% | $4,663-38.7% |
| Participant deferral / active EE | $6,931 | $8,419-17.7% | $8,065-14.1% | $6,689+3.6% |
| Admin fee / account holder | $931 | $15,035-93.8% | $12,993-92.8% | $13,390-93.0% |