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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 | $41,533 | $48,314-14.0% | $67,561-38.5% | $80,925-48.7% |
| Participation rate | 60.6% | 66.4%-5.8pp | 72.9%-12.3pp | 67.7%-7.1pp |
| Annual return | 10.21% | 18.28%-8.1pp | 3525.44%-3515.2pp | 35.65%-25.4pp |
| Employer contribution / active EE | $1,053 | $2,022-47.9% | $2,735-61.5% | $2,756-61.8% |
| Participant deferral / active EE | $3,706 | $2,927+26.6% | $4,003-7.4% | $4,299-13.8% |
| Admin fee / account holder | $12,010 | $3,690+225.5% | $4,006+199.8% | $6,940+73.1% |