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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 | $36,059 | $109,372-67.0% | $89,414-59.7% | $158,966-77.3% |
| Participation rate | 29.2% | 74.3%-45.1pp | 68.0%-38.8pp | 82.0%-52.8pp |
| Annual return | 5.42% | 345.55%-340.1pp | 245.50%-240.1pp | 302.95%-297.5pp |
| Employer contribution / active EE | $429 | $3,171-86.5% | $2,586-83.4% | $4,762-91.0% |
| Participant deferral / active EE | $1,225 | $4,598-73.4% | $3,890-68.5% | $5,983-79.5% |
| Admin fee / account holder | $18,225 | $6,156+196.0% | $4,883+273.2% | $11,250+62.0% |