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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 | $29,975 | $63,346-52.7% | $92,240-67.5% | $70,126-57.3% |
| Participation rate | 59.1% | 68.7%-9.6pp | 76.5%-17.4pp | 69.5%-10.4pp |
| Annual return | 11.65% | 530.19%-518.5pp | 176.29%-164.6pp | 73.15%-61.5pp |
| Employer contribution / active EE | $872 | $2,471-64.7% | $3,680-76.3% | $2,343-62.8% |
| Participant deferral / active EE | $2,560 | $2,854-10.3% | $3,897-34.3% | $3,332-23.2% |
| Admin fee / account holder | $3,077 | $3,841-19.9% | $5,194-40.8% | $4,645-33.8% |