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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 | $45,159 | $183,627-75.4% | $155,602-71.0% | $145,978-69.1% |
| Participation rate | 55.6% | 82.7%-27.1pp | 78.2%-22.6pp | 80.3%-24.7pp |
| Annual return | 6.79% | 61.32%-54.5pp | 64.81%-58.0pp | 550.52%-543.7pp |
| Employer contribution / active EE | $1,588 | $5,316-70.1% | $4,675-66.0% | $4,662-65.9% |
| Participant deferral / active EE | $2,574 | $6,466-60.2% | $5,629-54.3% | $6,690-61.5% |
| Admin fee / account holder | $63,154 | $19,327+226.8% | $15,923+296.6% | $13,400+371.3% |