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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 | $44,856 | $72,396-38.0% | $67,511-33.6% | $145,959-69.3% |
| Participation rate | 62.5% | 76.9%-14.4pp | 72.9%-10.4pp | 80.3%-17.8pp |
| Annual return | 5.40% | 7194.07%-7188.7pp | 3517.41%-3512.0pp | 561.95%-556.5pp |
| Employer contribution / active EE | $923 | $3,071-69.9% | $2,733-66.2% | $4,661-80.2% |
| Participant deferral / active EE | $2,401 | $4,781-49.8% | $4,000-40.0% | $6,689-64.1% |
| Admin fee / account holder | $454 | $5,538-91.8% | $3,999-88.6% | $13,398-96.6% |