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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 | $51,199 | $95,383-46.3% | $185,837-72.4% | $85,856-40.4% |
| Participation rate | 52.2% | 68.8%-16.6pp | 81.7%-29.5pp | 69.3%-17.1pp |
| Annual return | 9.21% | 23.59%-14.4pp | 122.08%-112.9pp | 318.58%-309.4pp |
| Employer contribution / active EE | $988 | $3,313-70.2% | $5,168-80.9% | $2,565-61.5% |
| Participant deferral / active EE | $1,442 | $3,423-57.9% | $5,568-74.1% | $3,952-63.5% |
| Admin fee / account holder | $10,922 | $7,213+51.4% | $16,241-32.8% | $6,261+74.5% |