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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 | $56,211 | $157,304-64.3% | $141,197-60.2% | $152,909-63.2% |
| Participation rate | 66.7% | 84.8%-18.2pp | 82.5%-15.8pp | 82.5%-15.8pp |
| Annual return | 9.81% | 64.34%-54.5pp | 71.41%-61.6pp | 345.46%-335.7pp |
| Employer contribution / active EE | $997 | $5,263-81.1% | $4,736-78.9% | $4,764-79.1% |
| Participant deferral / active EE | $2,778 | $7,111-60.9% | $6,710-58.6% | $5,851-52.5% |
| Admin fee / account holder | $741 | $12,126-93.9% | $10,265-92.8% | $11,601-93.6% |