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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 | $58,466 | $148,582-60.7% | $135,942-57.0% | $139,456-58.1% |
| Participation rate | 29.4% | 83.9%-54.4pp | 81.9%-52.5pp | 80.3%-50.9pp |
| Annual return | 9.36% | 79.26%-69.9pp | 68.28%-58.9pp | 373.45%-364.1pp |
| Employer contribution / active EE | $1,341 | $5,245-74.4% | $4,858-72.4% | $4,753-71.8% |
| Participant deferral / active EE | $2,986 | $8,101-63.1% | $7,759-61.5% | $6,711-55.5% |
| Admin fee / account holder | $62,621 | $12,402+404.9% | $10,764+481.8% | $11,407+449.0% |