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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 | $99,921-66.8% | $85,009-61.0% | $145,959-77.3% |
| Participation rate | 50.0% | 74.1%-24.1pp | 67.5%-17.5pp | 80.3%-30.3pp |
| Annual return | 6.59% | 83.89%-77.3pp | 66.47%-59.9pp | 561.95%-555.4pp |
| Employer contribution / active EE | $1,032 | $3,233-68.1% | $2,728-62.2% | $4,661-77.9% |
| Participant deferral / active EE | $1,290 | $5,293-75.6% | $4,522-71.5% | $6,689-80.7% |
| Admin fee / account holder | $3,115 | $7,252-57.0% | $6,153-49.4% | $13,398-76.7% |