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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 | $74,695 | $104,953-28.8% | $84,637-11.7% | $152,909-51.2% |
| Participation rate | 50.0% | 74.8%-24.8pp | 68.2%-18.2pp | 82.5%-32.5pp |
| Annual return | 2.64% | 373.94%-371.3pp | 258.82%-256.2pp | 345.46%-342.8pp |
| Employer contribution / active EE | $1,858 | $3,304-43.8% | $2,653-30.0% | $4,764-61.0% |
| Participant deferral / active EE | $2,381 | $4,691-49.2% | $3,900-39.0% | $5,851-59.3% |
| Admin fee / account holder | $1,205 | $6,244-80.7% | $4,914-75.5% | $11,601-89.6% |