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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 | $130,019 | $109,905+18.3% | $98,506+32.0% | $167,553-22.4% |
| Participation rate | 41.7% | 75.8%-34.2pp | 73.3%-31.7pp | 82.1%-40.4pp |
| Annual return | 4.49% | 1960.20%-1955.7pp | 1494.92%-1490.4pp | 478.89%-474.4pp |
| Employer contribution / active EE | $1,099 | $3,226-65.9% | $2,961-62.9% | $4,840-77.3% |
| Participant deferral / active EE | $2,978 | $4,674-36.3% | $4,277-30.4% | $6,343-53.1% |
| Admin fee / account holder | $2,734 | $6,760-59.6% | $5,955-54.1% | $12,316-77.8% |