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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 | $16,288 | $97,125-83.2% | $86,233-81.1% | $137,256-88.1% |
| Participation rate | 66.7% | 74.2%-7.5pp | 69.0%-2.4pp | 80.0%-13.3pp |
| Annual return | 10.53% | 74.19%-63.7pp | 61.39%-50.9pp | 220.34%-209.8pp |
| Employer contribution / active EE | $378 | $2,841-86.7% | $2,504-84.9% | $4,156-90.9% |
| Participant deferral / active EE | $1,528 | $5,180-70.5% | $4,559-66.5% | $6,407-76.2% |
| Admin fee / account holder | $12,495 | $9,725+28.5% | $8,342+49.8% | $12,270+1.8% |