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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 | $24,351 | $65,367-62.7% | $92,915-73.8% | $72,976-66.6% |
| Participation rate | 63.8% | 68.3%-4.5pp | 76.0%-12.2pp | 69.5%-5.7pp |
| Annual return | 10.44% | 42.11%-31.7pp | 109.45%-99.0pp | 81.02%-70.6pp |
| Employer contribution / active EE | $1,148 | $2,594-55.7% | $3,653-68.6% | $2,440-52.9% |
| Participant deferral / active EE | $1,537 | $3,128-50.9% | $4,238-63.7% | $3,608-57.4% |
| Admin fee / account holder | $501 | $4,251-88.2% | $5,796-91.4% | $5,124-90.2% |