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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 | $63,473 | $166,268-61.8% | $165,100-61.6% | $145,897-56.5% |
| Participation rate | 37.5% | 82.0%-44.5pp | 78.6%-41.1pp | 80.3%-42.8pp |
| Annual return | 5.73% | 100.52%-94.8pp | 70.21%-64.5pp | 552.29%-546.6pp |
| Employer contribution / active EE | $2,400 | $5,284-54.6% | $4,348-44.8% | $4,663-48.5% |
| Participant deferral / active EE | $3,721 | $6,964-46.6% | $6,035-38.4% | $6,689-44.4% |
| Admin fee / account holder | $33,925 | $16,659+103.6% | $12,696+167.2% | $13,390+153.4% |