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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 | $67,222 | $70,587-4.8% | $124,693-46.1% | $85,847-21.7% |
| Participation rate | 42.9% | 64.4%-21.6pp | 74.6%-31.8pp | 69.3%-26.5pp |
| Annual return | 8.73% | 20688.83%-20680.1pp | 5144.19%-5135.5pp | 318.61%-309.9pp |
| Employer contribution / active EE | $806 | $1,913-57.9% | $3,324-75.8% | $2,565-68.6% |
| Participant deferral / active EE | $1,206 | $2,969-59.4% | $4,615-73.9% | $3,952-69.5% |
| Admin fee / account holder | $341 | $5,282-93.5% | $7,494-95.4% | $6,261-94.6% |