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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 | $23,763 | $211,239-88.8% | $178,528-86.7% | $145,877-83.7% |
| Participation rate | 66.7% | 80.8%-14.1pp | 77.1%-10.4pp | 80.3%-13.6pp |
| Annual return | 3.02% | 30.22%-27.2pp | 27.11%-24.1pp | 551.28%-548.3pp |
| Employer contribution / active EE | $1,753 | $4,570-61.6% | $3,950-55.6% | $4,663-62.4% |
| Participant deferral / active EE | $9,667 | $6,963+38.8% | $6,278+54.0% | $6,691+44.5% |
| Admin fee / account holder | $65,065 | $12,095+438.0% | $10,419+524.5% | $13,402+385.5% |