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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 | $54,221 | $102,393-47.0% | $147,041-63.1% | $80,911-33.0% |
| Participation rate | 45.5% | 75.9%-30.4pp | 82.2%-36.7pp | 67.6%-22.2pp |
| Annual return | 10.25% | 134.95%-124.7pp | 419.21%-409.0pp | 35.63%-25.4pp |
| Employer contribution / active EE | $968 | $3,715-73.9% | $4,935-80.4% | $2,756-64.9% |
| Participant deferral / active EE | $2,984 | $6,647-55.1% | $8,071-63.0% | $4,297-30.6% |
| Admin fee / account holder | $12,662 | $7,943+59.4% | $13,006-2.6% | $6,935+82.6% |