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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 | $43,063 | $49,976-13.8% | $66,674-35.4% | $82,637-47.9% |
| Participation rate | 59.0% | 63.1%-4.1pp | 73.7%-14.7pp | 68.1%-9.0pp |
| Annual return | 13.23% | 39.09%-25.9pp | 321.24%-308.0pp | 53.51%-40.3pp |
| Employer contribution / active EE | $388 | $1,988-80.5% | $2,620-85.2% | $2,552-84.8% |
| Participant deferral / active EE | $1,552 | $2,847-45.5% | $4,084-62.0% | $4,126-62.4% |
| Admin fee / account holder | $2,144 | $4,594-53.3% | $5,098-57.9% | $7,339-70.8% |