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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 | $75,549 | $150,435-49.8% | $120,580-37.3% | $145,897-48.2% |
| Participation rate | 54.5% | 78.8%-24.3pp | 72.0%-17.4pp | 80.3%-25.8pp |
| Annual return | 8.08% | 154.60%-146.5pp | 107.48%-99.4pp | 552.29%-544.2pp |
| Employer contribution / active EE | $1,459 | $4,352-66.5% | $3,469-57.9% | $4,663-68.7% |
| Participant deferral / active EE | $2,597 | $6,174-57.9% | $4,995-48.0% | $6,689-61.2% |
| Admin fee / account holder | $28,653 | $12,182+135.2% | $9,418+204.2% | $13,390+114.0% |