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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 | $29,294 | $58,258-49.7% | $81,820-64.2% | $80,925-63.8% |
| Participation rate | 41.3% | 63.5%-22.1pp | 72.4%-31.1pp | 67.7%-26.3pp |
| Annual return | 8.95% | 41.76%-32.8pp | 777.93%-769.0pp | 35.65%-26.7pp |
| Employer contribution / active EE | $431 | $2,345-81.6% | $2,915-85.2% | $2,756-84.4% |
| Participant deferral / active EE | $944 | $3,284-71.3% | $4,323-78.2% | $4,299-78.0% |
| Admin fee / account holder | $5,813 | $4,976+16.8% | $7,391-21.4% | $6,940-16.2% |