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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 | $36,442 | $115,814-68.5% | $101,275-64.0% | $158,982-77.1% |
| Participation rate | 50.0% | 79.4%-29.4pp | 75.8%-25.8pp | 82.0%-32.0pp |
| Annual return | 6.81% | 56.16%-49.3pp | 46.48%-39.7pp | 302.99%-296.2pp |
| Employer contribution / active EE | $858 | $4,176-79.4% | $3,660-76.5% | $4,763-82.0% |
| Participant deferral / active EE | $2,507 | $4,958-49.4% | $4,371-42.6% | $5,983-58.1% |
| Admin fee / account holder | $1,015 | $7,249-86.0% | $5,948-82.9% | $11,252-91.0% |