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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 | $87,567 | $180,749-51.6% | $160,784-45.5% | $137,256-36.2% |
| Participation rate | 66.7% | 80.0%-13.3pp | 77.0%-10.3pp | 80.0%-13.3pp |
| Annual return | 9.61% | 2234.46%-2224.9pp | 1803.92%-1794.3pp | 220.34%-210.7pp |
| Employer contribution / active EE | $2,093 | $4,155-49.6% | $3,733-43.9% | $4,156-49.6% |
| Participant deferral / active EE | $2,617 | $6,844-61.8% | $6,293-58.4% | $6,407-59.2% |
| Admin fee / account holder | $519 | $10,397-95.0% | $9,717-94.7% | $12,270-95.8% |