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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 | $28,680 | $69,118-58.5% | $53,647-46.5% | $138,895-79.4% |
| Participation rate | 31.8% | 64.0%-32.2pp | 56.3%-24.5pp | 79.9%-48.1pp |
| Annual return | 3.68% | 248.26%-244.6pp | 358.33%-354.7pp | 145.39%-141.7pp |
| Employer contribution / active EE | $1,137 | $1,189-4.4% | $962+18.2% | $4,194-72.9% |
| Participant deferral / active EE | $2,400 | $2,274+5.5% | $1,813+32.4% | $6,396-62.5% |
| Admin fee / account holder | $405 | $2,724-85.1% | $2,460-83.5% | $12,562-96.8% |