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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 | $36,688 | $95,415-61.5% | $185,851-80.3% | $85,851-57.3% |
| Participation rate | 46.3% | 68.8%-22.4pp | 81.7%-35.4pp | 69.3%-23.0pp |
| Annual return | 8.94% | 23.59%-14.7pp | 122.11%-113.2pp | 318.63%-309.7pp |
| Employer contribution / active EE | $809 | $3,314-75.6% | $5,168-84.3% | $2,565-68.5% |
| Participant deferral / active EE | $2,524 | $3,424-26.3% | $5,569-54.7% | $3,952-36.1% |
| Admin fee / account holder | $4,295 | $7,215-40.5% | $16,245-73.6% | $6,261-31.4% |