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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 | $31,518 | $59,448-47.0% | $93,696-66.4% | $74,459-57.7% |
| Participation rate | 43.1% | 59.6%-16.6pp | 68.7%-25.7pp | 67.2%-24.2pp |
| Annual return | 1.69% | 82.11%-80.4pp | 133.74%-132.1pp | 1369.70%-1368.0pp |
| Employer contribution / active EE | $1,157 | $1,266-8.7% | $2,422-52.2% | $2,626-56.0% |
| Participant deferral / active EE | $2,106 | $3,052-31.0% | $4,417-52.3% | $4,350-51.6% |
| Admin fee / account holder | $3,391 | $3,027+12.0% | $8,287-59.1% | $1,945+74.4% |