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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 | $65,121 | $104,694-37.8% | $85,709-24.0% | $167,536-61.1% |
| Participation rate | 66.7% | 76.4%-9.7pp | 69.9%-3.2pp | 82.1%-15.4pp |
| Annual return | 8.02% | 21.45%-13.4pp | 21.49%-13.5pp | 478.82%-470.8pp |
| Employer contribution / active EE | $1,272 | $3,337-61.9% | $2,619-51.4% | $4,839-73.7% |
| Participant deferral / active EE | $3,292 | $4,826-31.8% | $3,924-16.1% | $6,342-48.1% |
| Admin fee / account holder | $606 | $10,035-94.0% | $6,876-91.2% | $12,315-95.1% |