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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 | $43,192 | $55,457-22.1% | $77,361-44.2% | $94,015-54.1% |
| Participation rate | 68.8% | 69.8%-1.1pp | 75.0%-6.2pp | 70.8%-2.1pp |
| Annual return | 8.96% | 15.57%-6.6pp | 1011.54%-1002.6pp | 17.84%-8.9pp |
| Employer contribution / active EE | $1,965 | $2,255-12.9% | $2,990-34.3% | $2,790-29.6% |
| Participant deferral / active EE | $4,295 | $3,069+39.9% | $3,911+9.8% | $4,249+1.1% |
| Admin fee / account holder | $1,011 | $4,334-76.7% | $5,894-82.9% | $8,951-88.7% |