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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 | $104,907-28.8% | $84,610-11.7% | $152,870-51.1% |
| Participation rate | 50.0% | 74.8%-24.8pp | 68.2%-18.2pp | 82.4%-32.4pp |
| Annual return | 2.64% | 373.79%-371.1pp | 258.74%-256.1pp | 345.34%-342.7pp |
| Employer contribution / active EE | $1,858 | $3,301-43.7% | $2,652-29.9% | $4,763-61.0% |
| Participant deferral / active EE | $2,381 | $4,688-49.2% | $3,899-38.9% | $5,850-59.3% |
| Admin fee / account holder | $1,205 | $6,241-80.7% | $4,912-75.5% | $11,597-89.6% |