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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 | $32,235 | $99,921-67.7% | $85,009-62.1% | $145,959-77.9% |
| Participation rate | 66.7% | 74.1%-7.4pp | 67.5%-0.8pp | 80.3%-13.6pp |
| Annual return | 6.82% | 83.89%-77.1pp | 66.47%-59.7pp | 561.95%-555.1pp |
| Employer contribution / active EE | $2,135 | $3,233-34.0% | $2,728-21.8% | $4,661-54.2% |
| Participant deferral / active EE | $1,433 | $5,293-72.9% | $4,522-68.3% | $6,689-78.6% |
| Admin fee / account holder | $7,932 | $7,252+9.4% | $6,153+28.9% | $13,398-40.8% |