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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 | $42,111 | $72,071-41.6% | $68,368-38.4% | $137,256-69.3% |
| Participation rate | 68.8% | 76.2%-7.5pp | 73.8%-5.0pp | 80.0%-11.2pp |
| Annual return | 5.16% | 353.14%-348.0pp | 292.57%-287.4pp | 220.34%-215.2pp |
| Employer contribution / active EE | $1,790 | $2,788-35.8% | $2,649-32.4% | $4,156-56.9% |
| Participant deferral / active EE | $7,478 | $4,410+69.6% | $4,123+81.4% | $6,407+16.7% |
| Admin fee / account holder | $4,184 | $5,336-21.6% | $5,150-18.7% | $12,270-65.9% |