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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 | $64,923 | $150,435-56.8% | $120,580-46.2% | $145,897-55.5% |
| Participation rate | 61.9% | 78.8%-16.9pp | 72.0%-10.1pp | 80.3%-18.4pp |
| Annual return | 8.32% | 154.60%-146.3pp | 107.48%-99.2pp | 552.29%-544.0pp |
| Employer contribution / active EE | $1,428 | $4,352-67.2% | $3,469-58.8% | $4,663-69.4% |
| Participant deferral / active EE | $5,070 | $6,174-17.9% | $4,995+1.5% | $6,689-24.2% |
| Admin fee / account holder | $4,668 | $12,182-61.7% | $9,418-50.4% | $13,390-65.1% |