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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 | $66,142 | $150,446-56.0% | $136,297-51.5% | $147,585-55.2% |
| Participation rate | 35.7% | 84.4%-48.7pp | 81.9%-46.2pp | 82.8%-47.1pp |
| Annual return | 6.37% | 1049.14%-1042.8pp | 5156.19%-5149.8pp | 578.58%-572.2pp |
| Employer contribution / active EE | $973 | $5,256-81.5% | $4,696-79.3% | $4,876-80.1% |
| Participant deferral / active EE | $2,976 | $6,631-55.1% | $6,247-52.4% | $5,439-45.3% |
| Admin fee / account holder | $3,969 | $10,906-63.6% | $9,244-57.1% | $10,886-63.5% |