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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 | $58,241-49.1% | $81,780-63.7% | $80,911-63.3% |
| Participation rate | 62.3% | 63.4%-1.2pp | 72.4%-10.1pp | 67.6%-5.4pp |
| Annual return | 10.33% | 41.73%-31.4pp | 776.27%-765.9pp | 35.63%-25.3pp |
| Employer contribution / active EE | $1,441 | $2,343-38.5% | $2,914-50.5% | $2,756-47.7% |
| Participant deferral / active EE | $2,113 | $3,283-35.6% | $4,321-51.1% | $4,297-50.8% |
| Admin fee / account holder | $3,851 | $4,973-22.6% | $7,384-47.8% | $6,935-44.5% |