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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 | $31,726 | $108,942-70.9% | $100,415-68.4% | $145,897-78.3% |
| Participation rate | 66.7% | 83.0%-16.3pp | 81.5%-14.9pp | 80.3%-13.6pp |
| Annual return | 9.61% | 58.27%-48.7pp | 49.47%-39.9pp | 552.29%-542.7pp |
| Employer contribution / active EE | $1,169 | $4,422-73.6% | $3,943-70.4% | $4,663-74.9% |
| Participant deferral / active EE | $5,677 | $8,461-32.9% | $8,091-29.8% | $6,689-15.1% |
| Admin fee / account holder | $805 | $9,702-91.7% | $7,906-89.8% | $13,390-94.0% |