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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 | $57,897 | $183,539-68.5% | $155,556-62.8% | $145,897-60.3% |
| Participation rate | 0.0% | 82.7%-82.7pp | 78.2%-78.2pp | 80.3%-80.3pp |
| Annual return | 7.10% | 61.31%-54.2pp | 64.84%-57.7pp | 552.29%-545.2pp |
| Employer contribution / active EE | $2,343 | $5,315-55.9% | $4,675-49.9% | $4,663-49.8% |
| Participant deferral / active EE | $4,961 | $6,467-23.3% | $5,631-11.9% | $6,689-25.8% |
| Admin fee / account holder | $2,027 | $19,275-89.5% | $15,885-87.2% | $13,390-84.9% |