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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 | $30,617 | $55,423-44.8% | $155,602-80.3% | $74,400-58.8% |
| Participation rate | 44.4% | 61.9%-17.4pp | 78.2%-33.8pp | 67.2%-22.8pp |
| Annual return | 9.45% | 269.07%-259.6pp | 64.81%-55.4pp | 1367.51%-1358.1pp |
| Employer contribution / active EE | $843 | $2,266-62.8% | $4,675-82.0% | $2,624-67.9% |
| Participant deferral / active EE | $1,560 | $2,835-45.0% | $5,629-72.3% | $4,348-64.1% |
| Admin fee / account holder | $1,817 | $1,744+4.1% | $15,923-88.6% | $1,944-6.5% |