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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 | $16,748 | $54,679-69.4% | $76,119-78.0% | $74,459-77.5% |
| Participation rate | 34.3% | 60.3%-26.1pp | 69.1%-34.8pp | 67.2%-33.0pp |
| Annual return | 9.53% | 31.90%-22.4pp | 361.25%-351.7pp | 1369.70%-1360.2pp |
| Employer contribution / active EE | $653 | $1,781-63.4% | $2,693-75.8% | $2,626-75.1% |
| Participant deferral / active EE | $1,229 | $3,072-60.0% | $4,259-71.1% | $4,350-71.7% |
| Admin fee / account holder | $1,869 | $2,238-16.5% | $6,421-70.9% | $1,945-3.9% |