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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 | $39,274 | $150,447-73.9% | $136,298-71.2% | $147,586-73.4% |
| Participation rate | 52.2% | 84.4%-32.2pp | 81.9%-29.7pp | 82.8%-30.7pp |
| Annual return | 8.37% | 1049.15%-1040.8pp | 5156.27%-5147.9pp | 578.59%-570.2pp |
| Employer contribution / active EE | $0 | $5,256-100.0% | $4,696-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $2,148 | $6,631-67.6% | $6,247-65.6% | $5,439-60.5% |
| Admin fee / account holder | $4,917 | $10,906-54.9% | $9,244-46.8% | $10,886-54.8% |