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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 | $40,886 | $111,878-63.5% | $93,727-56.4% | $145,897-72.0% |
| Participation rate | 57.1% | 74.2%-17.1pp | 68.7%-11.6pp | 80.3%-23.2pp |
| Annual return | 3.75% | 204.28%-200.5pp | 133.83%-130.1pp | 552.29%-548.5pp |
| Employer contribution / active EE | $1,225 | $3,092-60.4% | $2,421-49.4% | $4,663-73.7% |
| Participant deferral / active EE | $4,961 | $4,920+0.8% | $4,417+12.3% | $6,689-25.8% |
| Admin fee / account holder | $384 | $10,256-96.3% | $8,292-95.4% | $13,390-97.1% |