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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 | $36,248 | $48,327-25.0% | $67,575-46.4% | $80,935-55.2% |
| Participation rate | 49.0% | 66.4%-17.4pp | 72.9%-23.9pp | 67.7%-18.6pp |
| Annual return | 8.87% | 18.31%-9.4pp | 3528.98%-3520.1pp | 35.66%-26.8pp |
| Employer contribution / active EE | $1,305 | $2,022-35.4% | $2,736-52.3% | $2,757-52.6% |
| Participant deferral / active EE | $3,588 | $2,927+22.6% | $4,003-10.4% | $4,299-16.6% |
| Admin fee / account holder | $4,255 | $3,692+15.2% | $3,993+6.6% | $6,924-38.6% |