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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 | $41,412 | $95,415-56.6% | $185,851-77.7% | $85,851-51.8% |
| Participation rate | 39.5% | 68.8%-29.3pp | 81.7%-42.2pp | 69.3%-29.8pp |
| Annual return | 6.31% | 23.59%-17.3pp | 122.11%-115.8pp | 318.63%-312.3pp |
| Employer contribution / active EE | $771 | $3,314-76.7% | $5,168-85.1% | $2,565-70.0% |
| Participant deferral / active EE | $1,122 | $3,424-67.2% | $5,569-79.9% | $3,952-71.6% |
| Admin fee / account holder | $17,547 | $7,215+143.2% | $16,245+8.0% | $6,261+180.3% |