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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 | $88,778-24.7% | $81,844-18.4% | $145,884-54.2% |
| Participation rate | 38.5% | 75.1%-36.6pp | 72.4%-33.9pp | 80.3%-41.8pp |
| Annual return | 3.41% | 1033.03%-1029.6pp | 778.87%-775.5pp | 551.85%-548.4pp |
| Employer contribution / active EE | $732 | $3,087-76.3% | $2,916-74.9% | $4,662-84.3% |
| Participant deferral / active EE | $4,517 | $4,648-2.8% | $4,323+4.5% | $6,690-32.5% |
| Admin fee / account holder | $5,963 | $8,430-29.3% | $7,355-18.9% | $13,392-55.5% |