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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 | $34,551 | $29,716+16.3% | $56,077-38.4% | $80,925-57.3% |
| Participation rate | 30.6% | 41.7%-11.1pp | 52.5%-21.9pp | 67.7%-37.1pp |
| Annual return | 10.44% | 35.30%-24.9pp | 1709.28%-1698.8pp | 35.65%-25.2pp |
| Employer contribution / active EE | $441 | $671-34.3% | $1,040-57.6% | $2,756-84.0% |
| Participant deferral / active EE | $1,191 | $1,228-3.1% | $1,954-39.0% | $4,299-72.3% |
| Admin fee / account holder | $1,829 | $2,432-24.8% | $2,825-35.2% | $6,940-73.6% |