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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 | $93,675 | $202,342-53.7% | $172,753-45.8% | $152,909-38.7% |
| Participation rate | 50.0% | 87.1%-37.1pp | 82.6%-32.6pp | 82.5%-32.5pp |
| Annual return | 5.28% | 1029.88%-1024.6pp | 803.00%-797.7pp | 345.46%-340.2pp |
| Employer contribution / active EE | $1,666 | $5,857-71.6% | $5,144-67.6% | $4,764-65.0% |
| Participant deferral / active EE | $6,366 | $5,948+7.0% | $5,198+22.5% | $5,851+8.8% |
| Admin fee / account holder | $48,775 | $17,112+185.0% | $13,956+249.5% | $11,601+320.4% |