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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 | $27,006 | $34,316-21.3% | $74,723-63.9% | $72,976-63.0% |
| Participation rate | 17.9% | 42.4%-24.5pp | 54.5%-36.5pp | 69.5%-51.5pp |
| Annual return | 16.24% | 26.58%-10.3pp | 753.18%-736.9pp | 81.02%-64.8pp |
| Employer contribution / active EE | $1,077 | $692+55.7% | $1,084-0.7% | $2,440-55.9% |
| Participant deferral / active EE | $2,102 | $1,272+65.3% | $1,962+7.2% | $3,608-41.7% |
| Admin fee / account holder | $3,283 | $2,125+54.5% | $3,335-1.5% | $5,124-35.9% |