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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 | $57,002 | $149,040-61.8% | $120,225-52.6% | $137,256-58.5% |
| Participation rate | 69.2% | 75.4%-6.2pp | 69.6%-0.3pp | 80.0%-10.7pp |
| Annual return | 4.62% | 605.68%-601.1pp | 439.23%-434.6pp | 220.34%-215.7pp |
| Employer contribution / active EE | $2,368 | $4,350-45.6% | $3,475-31.9% | $4,156-43.0% |
| Participant deferral / active EE | $2,824 | $4,655-39.3% | $3,999-29.4% | $6,407-55.9% |
| Admin fee / account holder | $31,308 | $6,348+393.2% | $5,696+449.6% | $12,270+155.2% |