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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 | $58,804 | $85,766-31.4% | $136,297-56.9% | $70,124-16.1% |
| Participation rate | 67.6% | 74.2%-6.6pp | 81.9%-14.4pp | 69.5%-2.0pp |
| Annual return | 12.89% | 31.45%-18.6pp | 5156.19%-5143.3pp | 73.14%-60.3pp |
| Employer contribution / active EE | $909 | $2,966-69.4% | $4,696-80.6% | $2,342-61.2% |
| Participant deferral / active EE | $2,328 | $5,051-53.9% | $6,247-62.7% | $3,332-30.1% |
| Admin fee / account holder | $2,237 | $5,420-58.7% | $9,244-75.8% | $4,645-51.9% |