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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 | $43,813 | $112,935-61.2% | $90,970-51.8% | $158,966-72.4% |
| Participation rate | 60.0% | 74.7%-14.7pp | 69.0%-9.0pp | 82.0%-22.0pp |
| Annual return | 4.24% | 215.79%-211.5pp | 134.58%-130.3pp | 302.95%-298.7pp |
| Employer contribution / active EE | $607 | $2,895-79.0% | $2,122-71.4% | $4,762-87.3% |
| Participant deferral / active EE | $1,917 | $4,129-53.6% | $3,373-43.2% | $5,983-68.0% |
| Admin fee / account holder | $208,711 | $8,045+2494.2% | $5,960+3401.8% | $11,250+1755.2% |