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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 | $43,875 | $150,447-70.8% | $136,298-67.8% | $147,586-70.3% |
| Participation rate | 62.5% | 84.4%-21.9pp | 81.9%-19.4pp | 82.8%-20.3pp |
| Annual return | 7.29% | 1049.15%-1041.9pp | 5156.27%-5149.0pp | 578.59%-571.3pp |
| Employer contribution / active EE | $4,637 | $5,256-11.8% | $4,696-1.3% | $4,876-4.9% |
| Participant deferral / active EE | $7,302 | $6,631+10.1% | $6,247+16.9% | $5,439+34.3% |
| Admin fee / account holder | $2,653 | $10,906-75.7% | $9,244-71.3% | $10,886-75.6% |