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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 | $60,751 | $99,921-39.2% | $85,009-28.5% | $145,959-58.4% |
| Participation rate | 29.2% | 74.1%-44.9pp | 67.5%-38.3pp | 80.3%-51.1pp |
| Annual return | 2.89% | 83.89%-81.0pp | 66.47%-63.6pp | 561.95%-559.1pp |
| Employer contribution / active EE | $1,226 | $3,233-62.1% | $2,728-55.1% | $4,661-73.7% |
| Participant deferral / active EE | $3,295 | $5,293-37.8% | $4,522-27.1% | $6,689-50.7% |
| Admin fee / account holder | $5,972 | $7,252-17.6% | $6,153-2.9% | $13,398-55.4% |