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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 | $38,041 | $36,767+3.5% | $81,473-53.3% | $62,293-38.9% |
| Participation rate | 20.9% | 54.4%-33.5pp | 68.0%-47.0pp | 69.5%-48.6pp |
| Annual return | 13.62% | 173.80%-160.2pp | 38.78%-25.2pp | 28.90%-15.3pp |
| Employer contribution / active EE | $236 | $1,128-79.1% | $2,568-90.8% | $2,042-88.4% |
| Participant deferral / active EE | $1,120 | $2,111-47.0% | $3,537-68.3% | $3,169-64.7% |
| Admin fee / account holder | $1,451 | $797+82.0% | $4,561-68.2% | $479+202.7% |