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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 | $24,873 | $68,878-63.9% | $120,574-79.4% | $80,935-69.3% |
| Participation rate | 67.7% | 61.7%+6.1pp | 71.9%-4.2pp | 67.7%+0.1pp |
| Annual return | 8.98% | 23.67%-14.7pp | 107.42%-98.4pp | 35.66%-26.7pp |
| Employer contribution / active EE | $1,102 | $2,065-46.6% | $3,471-68.2% | $2,757-60.0% |
| Participant deferral / active EE | $1,192 | $3,189-62.6% | $4,996-76.1% | $4,299-72.3% |
| Admin fee / account holder | $1,514 | $5,782-73.8% | $9,445-84.0% | $6,924-78.1% |