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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 | $30,018 | $157,304-80.9% | $141,197-78.7% | $152,909-80.4% |
| Participation rate | 69.2% | 84.8%-15.6pp | 82.5%-13.2pp | 82.5%-13.2pp |
| Annual return | 9.03% | 64.34%-55.3pp | 71.41%-62.4pp | 345.46%-336.4pp |
| Employer contribution / active EE | $2,681 | $5,263-49.1% | $4,736-43.4% | $4,764-43.7% |
| Participant deferral / active EE | $7,826 | $7,111+10.1% | $6,710+16.6% | $5,851+33.7% |
| Admin fee / account holder | $3,793 | $12,126-68.7% | $10,265-63.0% | $11,601-67.3% |