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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 | $25,760 | $104,694-75.4% | $85,709-69.9% | $167,536-84.6% |
| Participation rate | 60.0% | 76.4%-16.4pp | 69.9%-9.9pp | 82.1%-22.1pp |
| Annual return | 3.77% | 21.45%-17.7pp | 21.49%-17.7pp | 478.82%-475.0pp |
| Employer contribution / active EE | $2,925 | $3,337-12.4% | $2,619+11.7% | $4,839-39.5% |
| Participant deferral / active EE | $3,308 | $4,826-31.5% | $3,924-15.7% | $6,342-47.8% |
| Admin fee / account holder | $1,348 | $10,035-86.6% | $6,876-80.4% | $12,315-89.1% |