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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 | $38,356 | $107,368-64.3% | $92,915-58.7% | $152,909-74.9% |
| Participation rate | 66.7% | 79.8%-13.1pp | 76.0%-9.3pp | 82.5%-15.8pp |
| Annual return | 5.75% | 145.64%-139.9pp | 109.45%-103.7pp | 345.46%-339.7pp |
| Employer contribution / active EE | $2,203 | $4,222-47.8% | $3,653-39.7% | $4,764-53.7% |
| Participant deferral / active EE | $5,512 | $4,848+13.7% | $4,238+30.1% | $5,851-5.8% |
| Admin fee / account holder | $380 | $7,082-94.6% | $5,796-93.4% | $11,601-96.7% |