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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 | $30,529 | $45,126-32.3% | $85,187-64.2% | $74,459-59.0% |
| Participation rate | 32.7% | 49.4%-16.7pp | 67.5%-34.8pp | 67.2%-34.5pp |
| Annual return | 10.32% | 26.30%-16.0pp | 66.67%-56.3pp | 1369.70%-1359.4pp |
| Employer contribution / active EE | $1,405 | $1,460-3.8% | $2,732-48.6% | $2,626-46.5% |
| Participant deferral / active EE | $2,851 | $2,738+4.1% | $4,525-37.0% | $4,350-34.5% |
| Admin fee / account holder | $3,019 | $2,212+36.5% | $6,162-51.0% | $1,945+55.2% |