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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 | $29,969 | $53,837-44.3% | $75,714-60.4% | $85,847-65.1% |
| Participation rate | 45.6% | 69.1%-23.4pp | 74.8%-29.2pp | 69.3%-23.7pp |
| Annual return | 10.33% | 24.54%-14.2pp | 104.62%-94.3pp | 318.61%-308.3pp |
| Employer contribution / active EE | $1,010 | $2,017-50.0% | $2,744-63.2% | $2,565-60.6% |
| Participant deferral / active EE | $2,484 | $2,895-14.2% | $3,820-35.0% | $3,952-37.1% |
| Admin fee / account holder | $9,862 | $3,339+195.3% | $3,619+172.5% | $6,261+57.5% |