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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 | $74,481 | $108,882-31.6% | $96,754-23.0% | $154,746-51.9% |
| Participation rate | 66.7% | 75.1%-8.4pp | 70.3%-3.6pp | 80.7%-14.0pp |
| Annual return | 7.25% | 98.39%-91.1pp | 82.04%-74.8pp | 172.34%-165.1pp |
| Employer contribution / active EE | $565 | $3,018-81.3% | $2,679-78.9% | $4,379-87.1% |
| Participant deferral / active EE | $2,275 | $5,323-57.3% | $4,758-52.2% | $6,730-66.2% |
| Admin fee / account holder | $23,813 | $10,200+133.5% | $8,905+167.4% | $14,365+65.8% |