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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 | $16,718 | $48,337-65.4% | $67,560-75.3% | $80,959-79.4% |
| Participation rate | 58.8% | 66.4%-7.6pp | 72.9%-14.1pp | 67.7%-8.8pp |
| Annual return | 9.25% | 18.26%-9.0pp | 3533.50%-3524.2pp | 35.67%-26.4pp |
| Employer contribution / active EE | $1,523 | $2,023-24.7% | $2,737-44.3% | $2,757-44.7% |
| Participant deferral / active EE | $2,816 | $2,928-3.8% | $4,004-29.7% | $4,300-34.5% |
| Admin fee / account holder | $4,645 | $3,695+25.7% | $3,994+16.3% | $6,925-32.9% |