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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 | $94,001 | $102,595-8.4% | $94,057-0.1% | $154,746-39.3% |
| Participation rate | 37.5% | 76.0%-38.5pp | 73.3%-35.8pp | 80.7%-43.2pp |
| Annual return | 5.10% | 583.42%-578.3pp | 480.62%-475.5pp | 172.34%-167.2pp |
| Employer contribution / active EE | $1,461 | $3,147-53.6% | $2,933-50.2% | $4,379-66.6% |
| Participant deferral / active EE | $6,478 | $5,118+26.6% | $4,709+37.6% | $6,730-3.7% |
| Admin fee / account holder | $23,592 | $7,736+205.0% | $7,244+225.7% | $14,365+64.2% |