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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 | $43,877 | $61,125-28.2% | $94,057-53.4% | $87,485-49.8% |
| Participation rate | 43.3% | 64.1%-20.7pp | 73.3%-30.0pp | 68.9%-25.6pp |
| Annual return | 9.28% | 35.20%-25.9pp | 480.62%-471.3pp | 26.06%-16.8pp |
| Employer contribution / active EE | $915 | $2,136-57.2% | $2,933-68.8% | $2,596-64.8% |
| Participant deferral / active EE | $1,584 | $3,260-51.4% | $4,709-66.4% | $4,274-62.9% |
| Admin fee / account holder | $1,988 | $5,629-64.7% | $7,244-72.6% | $7,775-74.4% |