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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 | $30,339 | $56,431-46.2% | $130,788-76.8% | $87,485-65.3% |
| Participation rate | 55.6% | 58.9%-3.4pp | 70.1%-14.5pp | 68.9%-13.4pp |
| Annual return | 9.88% | 91.27%-81.4pp | 386.44%-376.6pp | 26.06%-16.2pp |
| Employer contribution / active EE | $910 | $1,549-41.3% | $3,558-74.4% | $2,596-65.0% |
| Participant deferral / active EE | $1,574 | $2,749-42.8% | $4,137-62.0% | $4,274-63.2% |
| Admin fee / account holder | $971 | $4,433-78.1% | $6,673-85.4% | $7,775-87.5% |