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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 | $82,608 | $102,696-19.6% | $86,235-4.2% | $139,487-40.8% |
| Participation rate | 68.8% | 74.5%-5.7pp | 69.0%-0.2pp | 80.3%-11.6pp |
| Annual return | 7.60% | 1925.91%-1918.3pp | 1170.03%-1162.4pp | 373.84%-366.2pp |
| Employer contribution / active EE | $860 | $3,034-71.7% | $2,381-63.9% | $4,755-81.9% |
| Participant deferral / active EE | $3,465 | $4,679-26.0% | $3,987-13.1% | $6,713-48.4% |
| Admin fee / account holder | $18,443 | $8,667+112.8% | $6,856+169.0% | $11,407+61.7% |