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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 | $70,107 | $96,361-27.2% | $80,607-13.0% | $139,456-49.7% |
| Participation rate | 50.0% | 73.6%-23.6pp | 67.0%-17.0pp | 80.3%-30.3pp |
| Annual return | 8.26% | 1350.95%-1342.7pp | 936.11%-927.9pp | 373.45%-365.2pp |
| Employer contribution / active EE | $1,096 | $3,262-66.4% | $2,724-59.8% | $4,753-76.9% |
| Participant deferral / active EE | $12,268 | $5,232+134.5% | $4,448+175.8% | $6,711+82.8% |
| Admin fee / account holder | $187,096 | $6,601+2734.3% | $5,379+3378.1% | $11,407+1540.2% |