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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 | $102,429-58.0% | $147,096-70.8% | $80,925-46.9% |
| Participation rate | 60.9% | 75.9%-14.9pp | 82.2%-21.2pp | 67.7%-6.7pp |
| Annual return | 8.97% | 135.02%-126.1pp | 419.75%-410.8pp | 35.65%-26.7pp |
| Employer contribution / active EE | $7,266 | $3,716+95.6% | $4,936+47.2% | $2,756+163.6% |
| Participant deferral / active EE | $3,285 | $6,649-50.6% | $8,071-59.3% | $4,299-23.6% |
| Admin fee / account holder | $3,285 | $7,957-58.7% | $13,005-74.7% | $6,940-52.7% |