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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 | $46,257 | $57,330-19.3% | $86,656-46.6% | $75,177-38.5% |
| Participation rate | 50.5% | 63.2%-12.7pp | 71.7%-21.2pp | 67.2%-16.7pp |
| Annual return | 10.65% | 2675.40%-2664.8pp | 593.09%-582.4pp | 160.75%-150.1pp |
| Employer contribution / active EE | $1,271 | $2,316-45.2% | $3,025-58.0% | $2,671-52.4% |
| Participant deferral / active EE | $1,923 | $3,320-42.1% | $4,439-56.7% | $4,126-53.4% |
| Admin fee / account holder | $13,049 | $4,115+217.1% | $5,619+132.2% | $5,651+130.9% |