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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 | $40,182 | $60,393-33.5% | $81,820-50.9% | $74,429-46.0% |
| Participation rate | 38.5% | 62.9%-24.4pp | 72.4%-33.9pp | 67.2%-28.7pp |
| Annual return | 9.00% | 16.89%-7.9pp | 777.93%-768.9pp | 1368.38%-1359.4pp |
| Employer contribution / active EE | $1,402 | $2,626-46.6% | $2,915-51.9% | $2,625-46.6% |
| Participant deferral / active EE | $2,195 | $3,397-35.4% | $4,323-49.2% | $4,348-49.5% |
| Admin fee / account holder | $4,338 | $1,491+191.0% | $7,391-41.3% | $1,944+123.1% |