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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 | $38,196 | $124,346-69.3% | $111,308-65.7% | $167,536-77.2% |
| Participation rate | 57.9% | 79.6%-21.7pp | 77.3%-19.4pp | 82.1%-24.2pp |
| Annual return | 6.04% | 37.45%-31.4pp | 54.67%-48.6pp | 478.82%-472.8pp |
| Employer contribution / active EE | $1,195 | $3,437-65.2% | $2,732-56.3% | $4,839-75.3% |
| Participant deferral / active EE | $2,602 | $5,182-49.8% | $4,487-42.0% | $6,342-59.0% |
| Admin fee / account holder | $1,682 | $10,621-84.2% | $7,965-78.9% | $12,315-86.3% |