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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 | $142,354-39.2% | $125,529-31.0% | $155,188-44.2% |
| Participation rate | 52.2% | 78.1%-25.9pp | 74.7%-22.5pp | 80.8%-28.6pp |
| Annual return | 2.30% | 306.06%-303.8pp | 202.56%-200.3pp | 148.84%-146.5pp |
| Employer contribution / active EE | $846 | $3,501-75.8% | $3,058-72.3% | $4,248-80.1% |
| Participant deferral / active EE | $1,694 | $5,491-69.2% | $4,813-64.8% | $6,531-74.1% |
| Admin fee / account holder | $3,490 | $19,392-82.0% | $16,298-78.6% | $14,480-75.9% |