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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 | $67,877 | $112,729-39.8% | $98,716-31.2% | $137,256-50.5% |
| Participation rate | 27.3% | 74.2%-47.0pp | 69.3%-42.0pp | 80.0%-52.7pp |
| Annual return | 9.79% | 38.48%-28.7pp | 31.81%-22.0pp | 220.34%-210.6pp |
| Employer contribution / active EE | $556 | $2,725-79.6% | $2,279-75.6% | $4,156-86.6% |
| Participant deferral / active EE | $1,169 | $4,640-74.8% | $4,048-71.1% | $6,407-81.8% |
| Admin fee / account holder | $19,857 | $10,129+96.1% | $8,703+128.2% | $12,270+61.8% |