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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 | $29,660 | $58,258-49.1% | $81,820-63.7% | $80,925-63.3% |
| Participation rate | 62.3% | 63.5%-1.2pp | 72.4%-10.1pp | 67.7%-5.4pp |
| Annual return | 10.33% | 41.76%-31.4pp | 777.93%-767.6pp | 35.65%-25.3pp |
| Employer contribution / active EE | $1,441 | $2,345-38.6% | $2,915-50.6% | $2,756-47.7% |
| Participant deferral / active EE | $2,113 | $3,284-35.6% | $4,323-51.1% | $4,299-50.8% |
| Admin fee / account holder | $3,851 | $4,976-22.6% | $7,391-47.9% | $6,940-44.5% |