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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 | $48,886 | $101,618-51.9% | $93,063-47.5% | $137,256-64.4% |
| Participation rate | 64.7% | 74.9%-10.2pp | 72.1%-7.4pp | 80.0%-15.3pp |
| Annual return | 8.96% | 223.95%-215.0pp | 34.15%-25.2pp | 220.34%-211.4pp |
| Employer contribution / active EE | $994 | $2,707-63.3% | $2,476-59.8% | $4,156-76.1% |
| Participant deferral / active EE | $1,517 | $4,279-64.5% | $3,958-61.7% | $6,407-76.3% |
| Admin fee / account holder | $1,020 | $6,198-83.5% | $6,033-83.1% | $12,270-91.7% |