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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 | $65,414 | $169,336-61.4% | $129,384-49.4% | $145,884-55.2% |
| Participation rate | 50.0% | 76.5%-26.5pp | 69.6%-19.6pp | 80.3%-30.3pp |
| Annual return | 7.23% | 14408.70%-14401.5pp | 9461.77%-9454.5pp | 551.85%-544.6pp |
| Employer contribution / active EE | $1,179 | $5,540-78.7% | $4,153-71.6% | $4,662-74.7% |
| Participant deferral / active EE | $2,305 | $4,985-53.8% | $4,166-44.7% | $6,690-65.6% |
| Admin fee / account holder | $764 | $9,912-92.3% | $7,686-90.1% | $13,392-94.3% |