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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 | $43,549 | $102,393-57.5% | $147,041-70.4% | $80,911-46.2% |
| Participation rate | 63.4% | 75.9%-12.4pp | 82.2%-18.8pp | 67.6%-4.2pp |
| Annual return | 9.56% | 134.95%-125.4pp | 419.21%-409.7pp | 35.63%-26.1pp |
| Employer contribution / active EE | $1,962 | $3,715-47.2% | $4,935-60.2% | $2,756-28.8% |
| Participant deferral / active EE | $6,426 | $6,647-3.3% | $8,071-20.4% | $4,297+49.5% |
| Admin fee / account holder | $8,385 | $7,943+5.6% | $13,006-35.5% | $6,935+20.9% |