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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 | $37,411 | $70,121-46.6% | $63,803-41.4% | $138,895-73.1% |
| Participation rate | 58.3% | 77.2%-18.9pp | 72.7%-14.4pp | 79.9%-21.6pp |
| Annual return | 10.32% | 946.48%-936.2pp | 543.72%-533.4pp | 145.39%-135.1pp |
| Employer contribution / active EE | $926 | $2,882-67.9% | $2,532-63.5% | $4,194-77.9% |
| Participant deferral / active EE | $3,087 | $4,535-31.9% | $3,843-19.7% | $6,396-51.7% |
| Admin fee / account holder | $4,897 | $6,738-27.3% | $5,196-5.8% | $12,562-61.0% |