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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 | $36,897 | $103,008-64.2% | $90,304-59.1% | $152,897-75.9% |
| Participation rate | 57.1% | 75.9%-18.7pp | 73.3%-16.1pp | 82.5%-25.3pp |
| Annual return | 7.08% | 95.22%-88.1pp | 78.13%-71.1pp | 345.43%-338.3pp |
| Employer contribution / active EE | $942 | $3,139-70.0% | $2,855-67.0% | $4,764-80.2% |
| Participant deferral / active EE | $1,412 | $4,281-67.0% | $3,885-63.7% | $5,851-75.9% |
| Admin fee / account holder | $4,369 | $6,175-29.2% | $5,354-18.4% | $11,599-62.3% |