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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 | $66,268 | $180,749-63.3% | $160,784-58.8% | $137,256-51.7% |
| Participation rate | 22.7% | 80.0%-57.2pp | 77.0%-54.2pp | 80.0%-57.2pp |
| Annual return | 9.24% | 2234.46%-2225.2pp | 1803.92%-1794.7pp | 220.34%-211.1pp |
| Employer contribution / active EE | $0 | $4,155-100.0% | $3,733-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $1,210 | $6,844-82.3% | $6,293-80.8% | $6,407-81.1% |
| Admin fee / account holder | $28,282 | $10,397+172.0% | $9,717+191.1% | $12,270+130.5% |