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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 | $57,516 | $110,337-47.9% | $102,383-43.8% | $145,877-60.6% |
| Participation rate | 66.7% | 77.9%-11.3pp | 74.5%-7.8pp | 80.3%-13.6pp |
| Annual return | -1.60% | 24.83%-26.4pp | 24.94%-26.5pp | 551.28%-552.9pp |
| Employer contribution / active EE | $17,633 | $4,216+318.3% | $3,870+355.6% | $4,663+278.2% |
| Participant deferral / active EE | $17,633 | $5,621+213.7% | $5,060+248.5% | $6,691+163.6% |
| Admin fee / account holder | $224,364 | $9,750+2201.2% | $8,391+2573.7% | $13,402+1574.1% |