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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 | $100,147-74.2% | $81,286-68.2% | $145,877-82.3% |
| Participation rate | 64.3% | 74.2%-9.9pp | 69.5%-5.2pp | 80.3%-16.0pp |
| Annual return | 6.74% | 34.44%-27.7pp | 24.80%-18.1pp | 551.28%-544.5pp |
| Employer contribution / active EE | $0 | $2,977-100.0% | $2,463-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $2,475 | $4,607-46.3% | $3,883-36.3% | $6,691-63.0% |
| Admin fee / account holder | $1,346 | $8,201-83.6% | $5,764-76.7% | $13,402-90.0% |