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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 | $32,933 | $109,904-70.0% | $97,167-66.1% | $145,959-77.4% |
| Participation rate | 57.1% | 75.9%-18.8pp | 72.7%-15.5pp | 80.3%-23.1pp |
| Annual return | 6.55% | 243.43%-236.9pp | 75.27%-68.7pp | 561.95%-555.4pp |
| Employer contribution / active EE | $2,193 | $3,084-28.9% | $2,729-19.7% | $4,661-53.0% |
| Participant deferral / active EE | $3,104 | $4,676-33.6% | $4,264-27.2% | $6,689-53.6% |
| Admin fee / account holder | $36,886 | $6,216+493.4% | $5,650+552.8% | $13,398+175.3% |