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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 | $58,520 | $75,832-22.8% | $147,617-60.4% | $59,633-1.9% |
| Participation rate | 54.2% | 71.6%-17.4pp | 84.6%-30.5pp | 68.7%-14.5pp |
| Annual return | -4.31% | 0.37%-4.7pp | 61.98%-66.3pp | 2041.45%-2045.8pp |
| Employer contribution / active EE | $1,538 | $3,485-55.9% | $5,564-72.4% | $2,203-30.2% |
| Participant deferral / active EE | $3,139 | $3,131+0.3% | $4,895-35.9% | $3,192-1.7% |
| Admin fee / account holder | $3,578 | $5,986-40.2% | $11,612-69.2% | $4,297-16.7% |