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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 | $26,271 | $175,231-85.0% | $149,696-82.5% | $139,466-81.2% |
| Participation rate | 69.2% | 83.4%-14.2pp | 78.8%-9.5pp | 80.3%-11.1pp |
| Annual return | 3.89% | 166.77%-162.9pp | 134.46%-130.6pp | 373.66%-369.8pp |
| Employer contribution / active EE | $0 | $5,478-100.0% | $4,821-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $3,249 | $6,521-50.2% | $5,682-42.8% | $6,712-51.6% |
| Admin fee / account holder | $1,936 | $16,155-88.0% | $13,212-85.3% | $11,409-83.0% |