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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 | $70,901 | $169,336-58.1% | $129,384-45.2% | $145,884-51.4% |
| Participation rate | 50.0% | 76.5%-26.5pp | 69.6%-19.6pp | 80.3%-30.3pp |
| Annual return | 6.80% | 14408.70%-14401.9pp | 9461.77%-9455.0pp | 551.85%-545.0pp |
| Employer contribution / active EE | $0 | $5,540-100.0% | $4,153-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $798 | $4,985-84.0% | $4,166-80.9% | $6,690-88.1% |
| Admin fee / account holder | $745 | $9,912-92.5% | $7,686-90.3% | $13,392-94.4% |