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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 | $33,704 | $111,814-69.9% | $103,378-67.4% | $145,978-76.9% |
| Participation rate | 20.0% | 77.9%-57.9pp | 74.5%-54.5pp | 80.3%-60.3pp |
| Annual return | 7.23% | 24.80%-17.6pp | 24.91%-17.7pp | 550.52%-543.3pp |
| Employer contribution / active EE | $936 | $4,215-77.8% | $3,870-75.8% | $4,662-79.9% |
| Participant deferral / active EE | $1,756 | $5,618-68.7% | $5,058-65.3% | $6,690-73.8% |
| Admin fee / account holder | $2,292 | $9,764-76.5% | $8,401-72.7% | $13,400-82.9% |