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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 | $44,998 | $49,976-10.0% | $66,674-32.5% | $82,637-45.5% |
| Participation rate | 54.0% | 63.1%-9.1pp | 73.7%-19.7pp | 68.1%-14.0pp |
| Annual return | 11.40% | 39.09%-27.7pp | 321.24%-309.8pp | 53.51%-42.1pp |
| Employer contribution / active EE | $421 | $1,988-78.8% | $2,620-83.9% | $2,552-83.5% |
| Participant deferral / active EE | $3,071 | $2,847+7.9% | $4,084-24.8% | $4,126-25.6% |
| Admin fee / account holder | $12,032 | $4,594+161.9% | $5,098+136.0% | $7,339+63.9% |