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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 | $109,967-70.1% | $97,197-66.1% | $145,877-77.4% |
| Participation rate | 57.1% | 76.0%-18.8pp | 72.7%-15.5pp | 80.3%-23.2pp |
| Annual return | 6.55% | 244.27%-237.7pp | 75.47%-68.9pp | 551.28%-544.7pp |
| Employer contribution / active EE | $2,193 | $3,077-28.7% | $2,723-19.5% | $4,663-53.0% |
| Participant deferral / active EE | $3,104 | $4,676-33.6% | $4,263-27.2% | $6,691-53.6% |
| Admin fee / account holder | $36,886 | $6,199+495.0% | $5,637+554.3% | $13,402+175.2% |