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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 | $71,352 | $156,398-54.4% | $147,318-51.6% | $138,895-48.6% |
| Participation rate | 0.0% | 83.8%-83.8pp | 82.1%-82.1pp | 79.9%-79.9pp |
| Annual return | 2.67% | 78.75%-76.1pp | 70.43%-67.8pp | 145.39%-142.7pp |
| Employer contribution / active EE | $1,861 | $4,853-61.7% | $4,593-59.5% | $4,194-55.6% |
| Participant deferral / active EE | $2,598 | $8,237-68.5% | $7,906-67.1% | $6,396-59.4% |
| Admin fee / account holder | $1,203 | $14,976-92.0% | $13,708-91.2% | $12,562-90.4% |