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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 | $85,018 | $65,367+30.1% | $92,915-8.5% | $72,976+16.5% |
| Participation rate | 60.0% | 68.3%-8.3pp | 76.0%-16.0pp | 69.5%-9.5pp |
| Annual return | 10.26% | 42.11%-31.8pp | 109.45%-99.2pp | 81.02%-70.8pp |
| Employer contribution / active EE | $0 | $2,594-100.0% | $3,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,858 | $3,128-40.6% | $4,238-56.2% | $3,608-48.5% |
| Admin fee / account holder | $424 | $4,251-90.0% | $5,796-92.7% | $5,124-91.7% |