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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 | $44,984-32.1% | $85,009-64.1% | $74,546-59.0% |
| Participation rate | 32.7% | 49.4%-16.7pp | 67.5%-34.8pp | 67.2%-34.5pp |
| Annual return | 10.32% | 26.25%-15.9pp | 66.47%-56.2pp | 1366.03%-1355.7pp |
| Employer contribution / active EE | $1,405 | $1,458-3.6% | $2,728-48.5% | $2,624-46.5% |
| Participant deferral / active EE | $2,851 | $2,733+4.3% | $4,522-36.9% | $4,347-34.4% |
| Admin fee / account holder | $3,019 | $2,208+36.7% | $6,153-50.9% | $1,944+55.3% |