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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 | $58,442 | $183,627-68.2% | $155,602-62.4% | $145,978-60.0% |
| Participation rate | 60.0% | 82.7%-22.7pp | 78.2%-18.2pp | 80.3%-20.3pp |
| Annual return | 3.58% | 61.32%-57.7pp | 64.81%-61.2pp | 550.52%-546.9pp |
| Employer contribution / active EE | $1,063 | $5,316-80.0% | $4,675-77.3% | $4,662-77.2% |
| Participant deferral / active EE | $11,880 | $6,466+83.7% | $5,629+111.1% | $6,690+77.6% |
| Admin fee / account holder | $69,623 | $19,327+260.2% | $15,923+337.2% | $13,400+419.6% |