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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 | $72,446-58.3% | $67,561-55.3% | $145,877-79.3% |
| Participation rate | 41.2% | 76.9%-35.7pp | 72.9%-31.7pp | 80.3%-39.1pp |
| Annual return | 7.13% | 7211.98%-7204.9pp | 3525.44%-3518.3pp | 551.28%-544.2pp |
| Employer contribution / active EE | $799 | $3,072-74.0% | $2,735-70.8% | $4,663-82.9% |
| Participant deferral / active EE | $956 | $4,785-80.0% | $4,003-76.1% | $6,691-85.7% |
| Admin fee / account holder | $2,296 | $5,541-58.6% | $4,006-42.7% | $13,402-82.9% |