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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 | $31,467 | $70,366-55.3% | $66,674-52.8% | $138,895-77.3% |
| Participation rate | 63.6% | 76.2%-12.5pp | 73.7%-10.0pp | 79.9%-16.3pp |
| Annual return | 8.30% | 386.41%-378.1pp | 321.24%-312.9pp | 145.39%-137.1pp |
| Employer contribution / active EE | $2,046 | $2,765-26.0% | $2,620-21.9% | $4,194-51.2% |
| Participant deferral / active EE | $2,069 | $4,374-52.7% | $4,084-49.3% | $6,396-67.6% |
| Admin fee / account holder | $16,279 | $5,262+209.3% | $5,098+219.3% | $12,562+29.6% |