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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 | $23,244 | $108,911-78.7% | $100,392-76.8% | $145,884-84.1% |
| Participation rate | 55.6% | 83.0%-27.4pp | 81.5%-26.0pp | 80.3%-24.7pp |
| Annual return | 7.77% | 58.23%-50.5pp | 49.45%-41.7pp | 551.85%-544.1pp |
| Employer contribution / active EE | $3,325 | $4,420-24.8% | $3,941-15.6% | $4,662-28.7% |
| Participant deferral / active EE | $11,083 | $8,459+31.0% | $8,090+37.0% | $6,690+65.7% |
| Admin fee / account holder | $5,039 | $9,698-48.0% | $7,904-36.2% | $13,392-62.4% |