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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 | $73,177 | $109,411-33.1% | $89,435-18.2% | $158,982-54.0% |
| Participation rate | 50.0% | 74.3%-24.3pp | 68.0%-18.0pp | 82.0%-32.0pp |
| Annual return | 2.73% | 345.68%-342.9pp | 245.55%-242.8pp | 302.99%-300.3pp |
| Employer contribution / active EE | $3,498 | $3,173+10.2% | $2,587+35.2% | $4,763-26.6% |
| Participant deferral / active EE | $13,000 | $4,600+182.6% | $3,890+234.2% | $5,983+117.3% |
| Admin fee / account holder | $394 | $6,159-93.6% | $4,884-91.9% | $11,252-96.5% |