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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 | $24,834 | $132,634-81.3% | $115,768-78.5% | $137,256-81.9% |
| Participation rate | 8.3% | 77.9%-69.5pp | 74.4%-66.1pp | 80.0%-71.6pp |
| Annual return | 6.97% | 160.70%-153.7pp | 100.46%-93.5pp | 220.34%-213.4pp |
| Employer contribution / active EE | $772 | $3,360-77.0% | $2,940-73.7% | $4,156-81.4% |
| Participant deferral / active EE | $2,606 | $5,619-53.6% | $4,917-47.0% | $6,407-59.3% |
| Admin fee / account holder | $180,700 | $15,028+1102.4% | $12,439+1352.6% | $12,270+1372.7% |