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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 | $34,502 | $118,919-71.0% | $88,538-61.0% | $152,897-77.4% |
| Participation rate | 50.0% | 73.4%-23.4pp | 68.7%-18.7pp | 82.5%-32.5pp |
| Annual return | 0.18% | 47.92%-47.7pp | 43.64%-43.5pp | 345.43%-345.2pp |
| Employer contribution / active EE | $1,166 | $2,669-56.3% | $2,098-44.4% | $4,764-75.5% |
| Participant deferral / active EE | $6,260 | $3,549+76.4% | $2,914+114.8% | $5,851+7.0% |
| Admin fee / account holder | $2,056 | $5,876-65.0% | $4,310-52.3% | $11,599-82.3% |