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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 | $90,868 | $106,280-14.5% | $96,538-5.9% | $139,487-34.9% |
| Participation rate | 25.0% | 77.8%-52.8pp | 74.3%-49.3pp | 80.3%-55.3pp |
| Annual return | 7.76% | 38.48%-30.7pp | 35.74%-28.0pp | 373.84%-366.1pp |
| Employer contribution / active EE | $1,083 | $4,107-73.6% | $3,740-71.0% | $4,755-77.2% |
| Participant deferral / active EE | $1,750 | $5,457-67.9% | $4,880-64.2% | $6,713-73.9% |
| Admin fee / account holder | $2,622 | $7,888-66.8% | $6,737-61.1% | $11,407-77.0% |