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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 | $33,228 | $54,757-39.3% | $90,304-63.2% | $72,975-54.5% |
| Participation rate | 29.6% | 65.2%-35.5pp | 73.3%-43.6pp | 69.5%-39.9pp |
| Annual return | 16.04% | 30.63%-14.6pp | 78.13%-62.1pp | 81.01%-65.0pp |
| Employer contribution / active EE | $750 | $2,093-64.2% | $2,855-73.7% | $2,440-69.3% |
| Participant deferral / active EE | $1,479 | $2,887-48.8% | $3,885-61.9% | $3,608-59.0% |
| Admin fee / account holder | $765 | $3,973-80.7% | $5,354-85.7% | $5,124-85.1% |