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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 | $25,206 | $176,120-85.7% | $159,487-84.2% | $167,553-85.0% |
| Participation rate | 60.0% | 85.0%-25.0pp | 82.8%-22.8pp | 82.1%-22.1pp |
| Annual return | 2.58% | 331.95%-329.4pp | 263.71%-261.1pp | 478.89%-476.3pp |
| Employer contribution / active EE | $2,187 | $5,299-58.7% | $4,831-54.7% | $4,840-54.8% |
| Participant deferral / active EE | $8,001 | $7,752+3.2% | $7,354+8.8% | $6,343+26.1% |
| Admin fee / account holder | $2,020 | $12,561-83.9% | $10,804-81.3% | $12,316-83.6% |