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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 | $33,824 | $58,241-41.9% | $81,780-58.6% | $80,911-58.2% |
| Participation rate | 57.6% | 63.4%-5.8pp | 72.4%-14.7pp | 67.6%-10.0pp |
| Annual return | 10.73% | 41.73%-31.0pp | 776.27%-765.5pp | 35.63%-24.9pp |
| Employer contribution / active EE | $833 | $2,343-64.5% | $2,914-71.4% | $2,756-69.8% |
| Participant deferral / active EE | $2,199 | $3,283-33.0% | $4,321-49.1% | $4,297-48.8% |
| Admin fee / account holder | $1,757 | $4,973-64.7% | $7,384-76.2% | $6,935-74.7% |