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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 | $65,519 | $112,935-42.0% | $90,970-28.0% | $158,966-58.8% |
| Participation rate | 18.2% | 74.7%-56.6pp | 69.0%-50.8pp | 82.0%-63.8pp |
| Annual return | 3.66% | 215.79%-212.1pp | 134.58%-130.9pp | 302.95%-299.3pp |
| Employer contribution / active EE | $1,783 | $2,895-38.4% | $2,122-16.0% | $4,762-62.6% |
| Participant deferral / active EE | $4,136 | $4,129+0.2% | $3,373+22.6% | $5,983-30.9% |
| Admin fee / account holder | $740 | $8,045-90.8% | $5,960-87.6% | $11,250-93.4% |