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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 | $29,035 | $62,672-53.7% | $185,117-84.3% | $70,126-58.6% |
| Participation rate | 58.1% | 63.8%-5.7pp | 77.3%-19.2pp | 69.5%-11.5pp |
| Annual return | 5.95% | 40.79%-34.8pp | 40.50%-34.5pp | 73.15%-67.2pp |
| Employer contribution / active EE | $809 | $1,753-53.9% | $4,182-80.7% | $2,343-65.5% |
| Participant deferral / active EE | $1,173 | $3,272-64.1% | $5,045-76.7% | $3,332-64.8% |
| Admin fee / account holder | $2,914 | $3,932-25.9% | $8,159-64.3% | $4,645-37.3% |