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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 | $10,805 | $110,337-90.2% | $102,383-89.4% | $145,877-92.6% |
| Participation rate | 69.6% | 77.9%-8.4pp | 74.5%-4.9pp | 80.3%-10.7pp |
| Annual return | 9.00% | 24.83%-15.8pp | 24.94%-15.9pp | 551.28%-542.3pp |
| Employer contribution / active EE | $2,226 | $4,216-47.2% | $3,870-42.5% | $4,663-52.3% |
| Participant deferral / active EE | $2,449 | $5,621-56.4% | $5,060-51.6% | $6,691-63.4% |
| Admin fee / account holder | $829 | $9,750-91.5% | $8,391-90.1% | $13,402-93.8% |