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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 | $31,688 | $29,319+8.1% | $52,425-39.6% | $82,448-61.6% |
| Participation rate | 45.8% | 46.9%-1.0pp | 55.6%-9.8pp | 68.1%-22.2pp |
| Annual return | 4.90% | 535.20%-530.3pp | 302.12%-297.2pp | 41.64%-36.7pp |
| Employer contribution / active EE | $191 | $586-67.4% | $914-79.1% | $2,551-92.5% |
| Participant deferral / active EE | $462 | $1,171-60.6% | $1,790-74.2% | $4,139-88.8% |
| Admin fee / account holder | $3,894 | $1,962+98.4% | $2,495+56.1% | $7,234-46.2% |