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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 | $29,939 | $96,361-68.9% | $80,607-62.9% | $139,456-78.5% |
| Participation rate | 45.5% | 73.6%-28.2pp | 67.0%-21.6pp | 80.3%-34.9pp |
| Annual return | 10.02% | 1350.95%-1340.9pp | 936.11%-926.1pp | 373.45%-363.4pp |
| Employer contribution / active EE | $1,462 | $3,262-55.2% | $2,724-46.3% | $4,753-69.2% |
| Participant deferral / active EE | $4,206 | $5,232-19.6% | $4,448-5.4% | $6,711-37.3% |
| Admin fee / account holder | $1,686 | $6,601-74.5% | $5,379-68.7% | $11,407-85.2% |