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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 | $71,364 | $36,948+93.1% | $73,658-3.1% | $87,485-18.4% |
| Participation rate | 56.7% | 46.8%+9.8pp | 57.0%-0.4pp | 68.9%-12.3pp |
| Annual return | 7.25% | 28.64%-21.4pp | 29.72%-22.5pp | 26.06%-18.8pp |
| Employer contribution / active EE | $667 | $670-0.5% | $1,032-35.4% | $2,596-74.3% |
| Participant deferral / active EE | $1,223 | $1,379-11.3% | $2,062-40.7% | $4,274-71.4% |
| Admin fee / account holder | $2,127 | $2,531-16.0% | $3,357-36.6% | $7,775-72.6% |