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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 | $37,731 | $29,736+26.9% | $56,033-32.7% | $80,935-53.4% |
| Participation rate | 14.9% | 41.7%-26.8pp | 52.5%-37.6pp | 67.7%-52.8pp |
| Annual return | 8.31% | 35.28%-27.0pp | 1711.38%-1703.1pp | 35.66%-27.3pp |
| Employer contribution / active EE | $489 | $671-27.2% | $1,041-53.0% | $2,757-82.3% |
| Participant deferral / active EE | $962 | $1,228-21.7% | $1,954-50.8% | $4,299-77.6% |
| Admin fee / account holder | $632 | $2,434-74.0% | $2,827-77.6% | $6,924-90.9% |