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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 | $29,246 | $202,440-85.6% | $169,390-82.7% | $139,466-79.0% |
| Participation rate | 50.0% | 81.1%-31.1pp | 77.2%-27.2pp | 80.3%-30.3pp |
| Annual return | 8.65% | 532.36%-523.7pp | 406.07%-397.4pp | 373.66%-365.0pp |
| Employer contribution / active EE | $1,189 | $4,693-74.7% | $4,013-70.4% | $4,754-75.0% |
| Participant deferral / active EE | $3,270 | $6,940-52.9% | $6,222-47.4% | $6,712-51.3% |
| Admin fee / account holder | $7,797 | $10,722-27.3% | $9,015-13.5% | $11,409-31.7% |