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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 | $169,237-61.3% | $129,339-49.4% | $145,978-55.2% |
| Participation rate | 50.0% | 76.5%-26.5pp | 69.6%-19.6pp | 80.3%-30.3pp |
| Annual return | 7.23% | 14364.43%-14357.2pp | 9437.05%-9429.8pp | 550.52%-543.3pp |
| Employer contribution / active EE | $1,179 | $5,540-78.7% | $4,154-71.6% | $4,662-74.7% |
| Participant deferral / active EE | $2,305 | $4,991-53.8% | $4,170-44.7% | $6,690-65.6% |
| Admin fee / account holder | $764 | $9,882-92.3% | $7,668-90.0% | $13,400-94.3% |