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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 | $61,340 | $152,619-59.8% | $125,195-51.0% | $152,909-59.9% |
| Participation rate | 66.7% | 83.3%-16.7pp | 79.8%-13.1pp | 82.5%-15.8pp |
| Annual return | 1.65% | 54.85%-53.2pp | 43.79%-42.1pp | 345.46%-343.8pp |
| Employer contribution / active EE | $2,276 | $4,947-54.0% | $3,866-41.1% | $4,764-52.2% |
| Participant deferral / active EE | $2,276 | $5,869-61.2% | $4,937-53.9% | $5,851-61.1% |
| Admin fee / account holder | $3,690 | $13,437-72.5% | $9,704-62.0% | $11,601-68.2% |