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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 | $49,543 | $58,258-15.0% | $81,820-39.4% | $80,925-38.8% |
| Participation rate | 43.9% | 63.5%-19.6pp | 72.4%-28.5pp | 67.7%-23.8pp |
| Annual return | 8.92% | 41.76%-32.8pp | 777.93%-769.0pp | 35.65%-26.7pp |
| Employer contribution / active EE | $1,078 | $2,345-54.0% | $2,915-63.0% | $2,756-60.9% |
| Participant deferral / active EE | $1,868 | $3,284-43.1% | $4,323-56.8% | $4,299-56.5% |
| Admin fee / account holder | $9,938 | $4,976+99.7% | $7,391+34.5% | $6,940+43.2% |