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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 | $41,240 | $101,618-59.4% | $93,063-55.7% | $137,256-70.0% |
| Participation rate | 41.7% | 74.9%-33.3pp | 72.1%-30.4pp | 80.0%-38.3pp |
| Annual return | 7.90% | 223.95%-216.0pp | 34.15%-26.3pp | 220.34%-212.4pp |
| Employer contribution / active EE | $1,200 | $2,707-55.7% | $2,476-51.6% | $4,156-71.1% |
| Participant deferral / active EE | $768 | $4,279-82.0% | $3,958-80.6% | $6,407-88.0% |
| Admin fee / account holder | $19,025 | $6,198+206.9% | $6,033+215.3% | $12,270+55.1% |