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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 | $26,505 | $106,280-75.1% | $96,538-72.5% | $139,487-81.0% |
| Participation rate | 41.7% | 77.8%-36.2pp | 74.3%-32.7pp | 80.3%-38.7pp |
| Annual return | 3.86% | 38.48%-34.6pp | 35.74%-31.9pp | 373.84%-370.0pp |
| Employer contribution / active EE | $935 | $4,107-77.2% | $3,740-75.0% | $4,755-80.3% |
| Participant deferral / active EE | $2,400 | $5,457-56.0% | $4,880-50.8% | $6,713-64.2% |
| Admin fee / account holder | $9,014 | $7,888+14.3% | $6,737+33.8% | $11,407-21.0% |