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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 | $47,458 | $63,346-25.1% | $92,239-48.5% | $70,124-32.3% |
| Participation rate | 60.0% | 68.7%-8.7pp | 76.5%-16.5pp | 69.5%-9.5pp |
| Annual return | 8.94% | 530.19%-521.3pp | 176.29%-167.4pp | 73.14%-64.2pp |
| Employer contribution / active EE | $4,794 | $2,471+94.0% | $3,680+30.3% | $2,342+104.6% |
| Participant deferral / active EE | $1,889 | $2,854-33.8% | $3,897-51.5% | $3,332-43.3% |
| Admin fee / account holder | $1,290 | $3,841-66.4% | $5,194-75.2% | $4,645-72.2% |