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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 | $13,081 | $27,936-53.2% | $58,561-77.7% | $75,173-82.6% |
| Participation rate | 29.2% | 38.8%-9.7pp | 50.9%-21.7pp | 67.2%-38.0pp |
| Annual return | 8.14% | 44.21%-36.1pp | 4251.33%-4243.2pp | 160.72%-152.6pp |
| Employer contribution / active EE | $505 | $670-24.6% | $1,053-52.1% | $2,671-81.1% |
| Participant deferral / active EE | $1,477 | $1,202+22.9% | $1,923-23.2% | $4,126-64.2% |
| Admin fee / account holder | $2,130 | $1,727+23.4% | $2,520-15.5% | $5,651-62.3% |