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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 | $24,899 | $160,028-84.4% | $147,080-83.1% | $145,884-82.9% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 8.45% | 98.60%-90.1pp | 420.17%-411.7pp | 551.85%-543.4pp |
| Employer contribution / active EE | $1,640 | $5,286-69.0% | $4,933-66.8% | $4,662-64.8% |
| Participant deferral / active EE | $4,410 | $8,422-47.6% | $8,066-45.3% | $6,690-34.1% |
| Admin fee / account holder | $40,299 | $15,030+168.1% | $12,989+210.3% | $13,392+200.9% |