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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 | $38,120 | $102,385-62.8% | $147,080-74.1% | $80,935-52.9% |
| Participation rate | 47.1% | 75.9%-28.8pp | 82.2%-35.1pp | 67.7%-20.6pp |
| Annual return | 10.43% | 135.09%-124.7pp | 420.17%-409.7pp | 35.66%-25.2pp |
| Employer contribution / active EE | $1,777 | $3,717-52.2% | $4,933-64.0% | $2,757-35.5% |
| Participant deferral / active EE | $3,653 | $6,651-45.1% | $8,066-54.7% | $4,299-15.0% |
| Admin fee / account holder | $7,272 | $7,951-8.5% | $12,989-44.0% | $6,924+5.0% |