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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 | $51,492 | $70,366-26.8% | $66,674-22.8% | $138,895-62.9% |
| Participation rate | 50.0% | 76.2%-26.2pp | 73.7%-23.7pp | 79.9%-29.9pp |
| Annual return | 11.29% | 386.41%-375.1pp | 321.24%-310.0pp | 145.39%-134.1pp |
| Employer contribution / active EE | $656 | $2,765-76.3% | $2,620-75.0% | $4,194-84.4% |
| Participant deferral / active EE | $788 | $4,374-82.0% | $4,084-80.7% | $6,396-87.7% |
| Admin fee / account holder | $4,111 | $5,262-21.9% | $5,098-19.4% | $12,562-67.3% |