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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 | $64,938 | $102,595-36.7% | $94,057-31.0% | $154,746-58.0% |
| Participation rate | 42.9% | 76.0%-33.1pp | 73.3%-30.5pp | 80.7%-37.8pp |
| Annual return | 9.60% | 583.42%-573.8pp | 480.62%-471.0pp | 172.34%-162.7pp |
| Employer contribution / active EE | $928 | $3,147-70.5% | $2,933-68.4% | $4,379-78.8% |
| Participant deferral / active EE | $1,642 | $5,118-67.9% | $4,709-65.1% | $6,730-75.6% |
| Admin fee / account holder | $12,891 | $7,736+66.6% | $7,244+77.9% | $14,365-10.3% |