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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 | $25,178 | $28,624-12.0% | $53,647-53.1% | $82,637-69.5% |
| Participation rate | 64.0% | 47.3%+16.7pp | 56.3%+7.7pp | 68.1%-4.1pp |
| Annual return | 13.90% | 664.98%-651.1pp | 358.33%-344.4pp | 53.51%-39.6pp |
| Employer contribution / active EE | $790 | $637+24.0% | $962-17.9% | $2,552-69.1% |
| Participant deferral / active EE | $1,345 | $1,196+12.4% | $1,813-25.8% | $4,126-67.4% |
| Admin fee / account holder | $1,191 | $2,022-41.1% | $2,460-51.6% | $7,339-83.8% |