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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 | $86,598 | $139,948-38.1% | $121,663-28.8% | $154,746-44.0% |
| Participation rate | 52.2% | 78.0%-25.8pp | 74.5%-22.3pp | 80.7%-28.5pp |
| Annual return | 2.30% | 230.52%-228.2pp | 147.54%-145.2pp | 172.34%-170.0pp |
| Employer contribution / active EE | $846 | $3,521-76.0% | $3,020-72.0% | $4,379-80.7% |
| Participant deferral / active EE | $1,694 | $5,629-69.9% | $4,887-65.3% | $6,730-74.8% |
| Admin fee / account holder | $3,490 | $17,321-79.8% | $14,289-75.6% | $14,365-75.7% |