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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 | $18,894 | $70,684-73.3% | $169,397-88.8% | $75,177-74.9% |
| Participation rate | 37.2% | 64.8%-27.6pp | 77.2%-40.0pp | 67.2%-30.0pp |
| Annual return | 13.11% | 36.38%-23.3pp | 406.23%-393.1pp | 160.75%-147.6pp |
| Employer contribution / active EE | $1,317 | $2,211-40.4% | $4,013-67.2% | $2,671-50.7% |
| Participant deferral / active EE | $1,706 | $4,310-60.4% | $6,223-72.6% | $4,126-58.7% |
| Admin fee / account holder | $3,752 | $5,404-30.6% | $9,017-58.4% | $5,651-33.6% |