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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 | $26,922 | $162,136-83.4% | $152,301-82.3% | $154,746-82.6% |
| Participation rate | 66.7% | 84.1%-17.4pp | 82.4%-15.8pp | 80.7%-14.0pp |
| Annual return | 5.72% | 91.02%-85.3pp | 80.50%-74.8pp | 172.34%-166.6pp |
| Employer contribution / active EE | $1,885 | $4,890-61.5% | $4,624-59.2% | $4,379-57.0% |
| Participant deferral / active EE | $8,631 | $8,341+3.5% | $8,004+7.8% | $6,730+28.2% |
| Admin fee / account holder | $55,277 | $15,759+250.8% | $14,398+283.9% | $14,365+284.8% |