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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 | $31,500 | $58,391-46.1% | $76,667-58.9% | $72,976-56.8% |
| Participation rate | 61.3% | 67.4%-6.1pp | 72.1%-10.8pp | 69.5%-8.2pp |
| Annual return | 1.14% | 2306.65%-2305.5pp | 1166.74%-1165.6pp | 81.02%-79.9pp |
| Employer contribution / active EE | $2,351 | $1,787+31.6% | $2,303+2.1% | $2,440-3.7% |
| Participant deferral / active EE | $4,131 | $2,690+53.5% | $3,336+23.8% | $3,608+14.5% |
| Admin fee / account holder | $2,291 | $4,014-42.9% | $6,423-64.3% | $5,124-55.3% |