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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 | $43,003 | $102,382-58.0% | $147,005-70.7% | $80,874-46.8% |
| Participation rate | 60.9% | 75.8%-14.9pp | 82.2%-21.2pp | 67.6%-6.7pp |
| Annual return | 8.97% | 134.89%-125.9pp | 418.76%-409.8pp | 35.62%-26.6pp |
| Employer contribution / active EE | $7,266 | $3,715+95.6% | $4,934+47.3% | $2,756+163.7% |
| Participant deferral / active EE | $3,285 | $6,646-50.6% | $8,070-59.3% | $4,297-23.5% |
| Admin fee / account holder | $3,285 | $7,942-58.6% | $13,006-74.7% | $6,935-52.6% |