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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 | $30,176 | $72,426-58.3% | $67,560-55.3% | $145,897-79.3% |
| Participation rate | 41.2% | 76.9%-35.7pp | 72.9%-31.8pp | 80.3%-39.1pp |
| Annual return | 7.13% | 7226.78%-7219.7pp | 3533.50%-3526.4pp | 552.29%-545.2pp |
| Employer contribution / active EE | $799 | $3,074-74.0% | $2,737-70.8% | $4,663-82.9% |
| Participant deferral / active EE | $956 | $4,785-80.0% | $4,004-76.1% | $6,689-85.7% |
| Admin fee / account holder | $2,296 | $5,514-58.4% | $3,994-42.5% | $13,390-82.9% |