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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 | $42,331 | $96,361-56.1% | $80,607-47.5% | $139,456-69.6% |
| Participation rate | 60.0% | 73.6%-13.6pp | 67.0%-7.0pp | 80.3%-20.3pp |
| Annual return | 9.86% | 1350.95%-1341.1pp | 936.11%-926.2pp | 373.45%-363.6pp |
| Employer contribution / active EE | $1,840 | $3,262-43.6% | $2,724-32.4% | $4,753-61.3% |
| Participant deferral / active EE | $2,020 | $5,232-61.4% | $4,448-54.6% | $6,711-69.9% |
| Admin fee / account holder | $940 | $6,601-85.8% | $5,379-82.5% | $11,407-91.8% |