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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 | $73,447 | $211,105-65.2% | $178,449-58.8% | $145,978-49.7% |
| Participation rate | 66.7% | 80.8%-14.1pp | 77.1%-10.4pp | 80.3%-13.6pp |
| Annual return | 5.69% | 30.19%-24.5pp | 27.09%-21.4pp | 550.52%-544.8pp |
| Employer contribution / active EE | $2,093 | $4,569-54.2% | $3,951-47.0% | $4,662-55.1% |
| Participant deferral / active EE | $2,617 | $6,959-62.4% | $6,277-58.3% | $6,690-60.9% |
| Admin fee / account holder | $395 | $12,017-96.7% | $10,362-96.2% | $13,400-97.1% |