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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 | $33,125 | $100,203-66.9% | $85,240-61.1% | $145,897-77.3% |
| Participation rate | 50.0% | 74.1%-24.1pp | 67.5%-17.5pp | 80.3%-30.3pp |
| Annual return | 6.59% | 84.28%-77.7pp | 66.75%-60.2pp | 552.29%-545.7pp |
| Employer contribution / active EE | $1,032 | $3,242-68.2% | $2,735-62.3% | $4,663-77.9% |
| Participant deferral / active EE | $1,290 | $5,299-75.7% | $4,527-71.5% | $6,689-80.7% |
| Admin fee / account holder | $3,115 | $7,265-57.1% | $6,165-49.5% | $13,390-76.7% |