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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 | $28,503 | $117,829-75.8% | $102,423-72.2% | $145,877-80.5% |
| Participation rate | 52.9% | 78.6%-25.7pp | 76.5%-23.6pp | 80.3%-27.4pp |
| Annual return | 7.40% | 31.83%-24.4pp | 29.42%-22.0pp | 551.28%-543.9pp |
| Employer contribution / active EE | $1,419 | $3,615-60.7% | $3,023-53.1% | $4,663-69.6% |
| Participant deferral / active EE | $4,627 | $5,732-19.3% | $5,054-8.4% | $6,691-30.8% |
| Admin fee / account holder | $716 | $13,335-94.6% | $9,455-92.4% | $13,402-94.7% |