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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 | $45,888 | $87,166-47.4% | $76,735-40.2% | $137,256-66.6% |
| Participation rate | 66.7% | 74.4%-7.7pp | 69.5%-2.8pp | 80.0%-13.3pp |
| Annual return | 4.05% | 26.50%-22.4pp | 29.77%-25.7pp | 220.34%-216.3pp |
| Employer contribution / active EE | $2,243 | $2,904-22.8% | $2,454-8.6% | $4,156-46.0% |
| Participant deferral / active EE | $15,947 | $4,726+237.4% | $4,088+290.1% | $6,407+148.9% |
| Admin fee / account holder | $77,616 | $8,403+823.7% | $7,189+979.6% | $12,270+532.6% |