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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 | $66,818 | $88,702-24.7% | $81,780-18.3% | $145,978-54.2% |
| Participation rate | 38.5% | 75.0%-36.6pp | 72.4%-33.9pp | 80.3%-41.8pp |
| Annual return | 3.41% | 1029.12%-1025.7pp | 776.27%-772.9pp | 550.52%-547.1pp |
| Employer contribution / active EE | $732 | $3,084-76.3% | $2,914-74.9% | $4,662-84.3% |
| Participant deferral / active EE | $4,517 | $4,645-2.8% | $4,321+4.5% | $6,690-32.5% |
| Admin fee / account holder | $5,963 | $8,414-29.1% | $7,384-19.2% | $13,400-55.5% |