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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 | $68,934 | $159,978-56.9% | $147,041-53.1% | $145,978-52.8% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 7.86% | 98.36%-90.5pp | 419.21%-411.3pp | 550.52%-542.7pp |
| Employer contribution / active EE | $1,694 | $5,288-68.0% | $4,935-65.7% | $4,662-63.7% |
| Participant deferral / active EE | $3,015 | $8,429-64.2% | $8,071-62.6% | $6,690-54.9% |
| Admin fee / account holder | $5,238 | $15,053-65.2% | $13,006-59.7% | $13,400-60.9% |