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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 | $37,624 | $105,284-64.3% | $150,734-75.0% | $94,015-60.0% |
| Participation rate | 48.2% | 71.7%-23.5pp | 78.4%-30.2pp | 70.8%-22.6pp |
| Annual return | 3.51% | 15.67%-12.2pp | 600.81%-597.3pp | 17.84%-14.3pp |
| Employer contribution / active EE | $1,447 | $3,599-59.8% | $4,918-70.6% | $2,790-48.1% |
| Participant deferral / active EE | $2,858 | $4,274-33.1% | $5,610-49.1% | $4,249-32.7% |
| Admin fee / account holder | $6,328 | $9,839-35.7% | $14,905-57.5% | $8,951-29.3% |