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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 | $26,167 | $85,060-69.2% | $70,548-62.9% | $139,456-81.2% |
| Participation rate | 57.1% | 73.9%-16.8pp | 68.3%-11.2pp | 80.3%-23.2pp |
| Annual return | 10.21% | 30.38%-20.2pp | 32.78%-22.6pp | 373.45%-363.2pp |
| Employer contribution / active EE | $1,221 | $3,911-68.8% | $2,975-59.0% | $4,753-74.3% |
| Participant deferral / active EE | $1,458 | $5,890-75.2% | $4,567-68.1% | $6,711-78.3% |
| Admin fee / account holder | $564 | $8,925-93.7% | $6,424-91.2% | $11,407-95.1% |