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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 | $58,053 | $176,105-67.0% | $159,474-63.6% | $167,536-65.3% |
| Participation rate | 60.9% | 85.0%-24.1pp | 82.8%-22.0pp | 82.1%-21.2pp |
| Annual return | 9.18% | 331.91%-322.7pp | 263.68%-254.5pp | 478.82%-469.6pp |
| Employer contribution / active EE | $1,606 | $5,299-69.7% | $4,831-66.8% | $4,839-66.8% |
| Participant deferral / active EE | $3,129 | $7,751-59.6% | $7,353-57.4% | $6,342-50.7% |
| Admin fee / account holder | $23,856 | $12,559+90.0% | $10,802+120.8% | $12,315+93.7% |