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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 | $43,714 | $48,327-9.5% | $67,575-35.3% | $80,935-46.0% |
| Participation rate | 26.6% | 66.4%-39.8pp | 72.9%-46.4pp | 67.7%-41.1pp |
| Annual return | 10.25% | 18.31%-8.1pp | 3528.98%-3518.7pp | 35.66%-25.4pp |
| Employer contribution / active EE | $950 | $2,022-53.0% | $2,736-65.3% | $2,757-65.5% |
| Participant deferral / active EE | $2,431 | $2,927-17.0% | $4,003-39.3% | $4,299-43.5% |
| Admin fee / account holder | $13,585 | $3,692+267.9% | $3,993+240.2% | $6,924+96.2% |