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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 | $25,871 | $100,262-74.2% | $81,370-68.2% | $145,897-82.3% |
| Participation rate | 64.3% | 74.3%-10.0pp | 69.5%-5.3pp | 80.3%-16.0pp |
| Annual return | 6.74% | 34.52%-27.8pp | 24.85%-18.1pp | 552.29%-545.6pp |
| Employer contribution / active EE | $0 | $2,979-100.0% | $2,464-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $2,475 | $4,612-46.3% | $3,885-36.3% | $6,689-63.0% |
| Admin fee / account holder | $1,346 | $8,163-83.5% | $5,749-76.6% | $13,390-90.0% |