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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 | $51,395 | $102,385-49.8% | $147,080-65.1% | $80,935-36.5% |
| Participation rate | 37.5% | 75.9%-38.4pp | 82.2%-44.7pp | 67.7%-30.2pp |
| Annual return | 8.64% | 135.09%-126.4pp | 420.17%-411.5pp | 35.66%-27.0pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,933-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,290 | $6,651-50.5% | $8,066-59.2% | $4,299-23.5% |
| Admin fee / account holder | $90,641 | $7,951+1039.9% | $12,989+597.8% | $6,924+1209.0% |