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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 | $51,523 | $176,120-70.7% | $159,487-67.7% | $167,553-69.3% |
| Participation rate | 69.2% | 85.0%-15.7pp | 82.8%-13.6pp | 82.1%-12.9pp |
| Annual return | 4.48% | 331.95%-327.5pp | 263.71%-259.2pp | 478.89%-474.4pp |
| Employer contribution / active EE | $7,623 | $5,299+43.8% | $4,831+57.8% | $4,840+57.5% |
| Participant deferral / active EE | $7,406 | $7,752-4.5% | $7,354+0.7% | $6,343+16.8% |
| Admin fee / account holder | $36,060 | $12,561+187.1% | $10,804+233.8% | $12,316+192.8% |