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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 | $36,598 | $70,366-48.0% | $66,674-45.1% | $138,895-73.7% |
| Participation rate | 45.8% | 76.2%-30.3pp | 73.7%-27.8pp | 79.9%-34.1pp |
| Annual return | 12.36% | 386.41%-374.1pp | 321.24%-308.9pp | 145.39%-133.0pp |
| Employer contribution / active EE | $632 | $2,765-77.2% | $2,620-75.9% | $4,194-84.9% |
| Participant deferral / active EE | $1,076 | $4,374-75.4% | $4,084-73.7% | $6,396-83.2% |
| Admin fee / account holder | $8,275 | $5,262+57.2% | $5,098+62.3% | $12,562-34.1% |