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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 | $34,572 | $72,071-52.0% | $68,368-49.4% | $137,256-74.8% |
| Participation rate | 68.8% | 76.2%-7.5pp | 73.8%-5.0pp | 80.0%-11.2pp |
| Annual return | 12.78% | 353.14%-340.4pp | 292.57%-279.8pp | 220.34%-207.6pp |
| Employer contribution / active EE | $658 | $2,788-76.4% | $2,649-75.1% | $4,156-84.2% |
| Participant deferral / active EE | $2,898 | $4,410-34.3% | $4,123-29.7% | $6,407-54.8% |
| Admin fee / account holder | $902 | $5,336-83.1% | $5,150-82.5% | $12,270-92.7% |