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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 | $63,170 | $175,259-64.0% | $149,723-57.8% | $139,487-54.7% |
| Participation rate | 65.0% | 83.4%-18.4pp | 78.8%-13.8pp | 80.3%-15.3pp |
| Annual return | 8.76% | 166.82%-158.1pp | 134.50%-125.7pp | 373.84%-365.1pp |
| Employer contribution / active EE | $2,588 | $5,478-52.8% | $4,821-46.3% | $4,755-45.6% |
| Participant deferral / active EE | $5,162 | $6,522-20.8% | $5,682-9.2% | $6,713-23.1% |
| Admin fee / account holder | $131,424 | $16,158+713.4% | $13,215+894.5% | $11,407+1052.1% |