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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 | $34,222 | $217,432-84.3% | $185,851-81.6% | $167,553-79.6% |
| Participation rate | 33.3% | 86.1%-52.7pp | 81.7%-48.4pp | 82.1%-48.8pp |
| Annual return | 2.00% | 148.43%-146.4pp | 122.11%-120.1pp | 478.89%-476.9pp |
| Employer contribution / active EE | $1,240 | $5,874-78.9% | $5,168-76.0% | $4,840-74.4% |
| Participant deferral / active EE | $4,270 | $6,357-32.8% | $5,569-23.3% | $6,343-32.7% |
| Admin fee / account holder | $81,431 | $19,820+310.9% | $16,245+401.3% | $12,316+561.2% |