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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 | $34,649 | $95,406-63.7% | $185,849-81.4% | $85,847-59.6% |
| Participation rate | 24.0% | 68.8%-44.8pp | 81.7%-57.7pp | 69.3%-45.3pp |
| Annual return | 10.61% | 23.59%-13.0pp | 122.10%-111.5pp | 318.61%-308.0pp |
| Employer contribution / active EE | $1,227 | $3,314-63.0% | $5,169-76.3% | $2,565-52.2% |
| Participant deferral / active EE | $2,836 | $3,424-17.2% | $5,569-49.1% | $3,952-28.3% |
| Admin fee / account holder | $516 | $7,214-92.8% | $16,244-96.8% | $6,261-91.8% |