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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 | $31,467 | $102,595-69.3% | $94,057-66.5% | $154,746-79.7% |
| Participation rate | 63.6% | 76.0%-12.4pp | 73.3%-9.7pp | 80.7%-17.1pp |
| Annual return | 8.30% | 583.42%-575.1pp | 480.62%-472.3pp | 172.34%-164.0pp |
| Employer contribution / active EE | $2,046 | $3,147-35.0% | $2,933-30.2% | $4,379-53.3% |
| Participant deferral / active EE | $2,069 | $5,118-59.6% | $4,709-56.1% | $6,730-69.3% |
| Admin fee / account holder | $16,279 | $7,736+110.4% | $7,244+124.7% | $14,365+13.3% |