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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 | $69,136 | $175,231-60.5% | $149,696-53.8% | $139,466-50.4% |
| Participation rate | 66.7% | 83.4%-16.7pp | 78.8%-12.1pp | 80.3%-13.7pp |
| Annual return | 4.38% | 166.77%-162.4pp | 134.46%-130.1pp | 373.66%-369.3pp |
| Employer contribution / active EE | $0 | $5,478-100.0% | $4,821-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $16,833 | $6,521+158.1% | $5,682+196.3% | $6,712+150.8% |
| Admin fee / account holder | $980 | $16,155-93.9% | $13,212-92.6% | $11,409-91.4% |