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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 | $36,613 | $166,020-77.9% | $164,866-77.8% | $145,959-74.9% |
| Participation rate | 66.7% | 82.0%-15.3pp | 78.6%-11.9pp | 80.3%-13.6pp |
| Annual return | 2.90% | 100.08%-97.2pp | 69.97%-67.1pp | 561.95%-559.1pp |
| Employer contribution / active EE | $0 | $5,275-100.0% | $4,343-100.0% | $4,661-100.0% |
| Participant deferral / active EE | $32,276 | $6,961+363.7% | $6,033+435.0% | $6,689+382.6% |
| Admin fee / account holder | $294,878 | $16,644+1671.7% | $12,689+2223.9% | $13,398+2100.9% |