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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 | $24,204 | $53,128-54.4% | $86,582-72.0% | $70,126-65.5% |
| Participation rate | 67.4% | 65.3%+2.1pp | 73.5%-6.1pp | 69.5%-2.1pp |
| Annual return | 10.13% | 27.66%-17.5pp | 965.08%-955.0pp | 73.15%-63.0pp |
| Employer contribution / active EE | $1,173 | $2,068-43.3% | $2,839-58.7% | $2,343-49.9% |
| Participant deferral / active EE | $2,682 | $2,695-0.5% | $3,609-25.7% | $3,332-19.5% |
| Admin fee / account holder | $1,641 | $3,584-54.2% | $4,904-66.5% | $4,645-64.7% |