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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 | $54,234 | $24,618+120.3% | $71,585-24.2% | $82,637-34.4% |
| Participation rate | 39.5% | 68.2%-28.7pp | 68.2%-28.7pp | 68.1%-28.6pp |
| Annual return | 11.58% | 93.17%-81.6pp | 59.26%-47.7pp | 53.51%-41.9pp |
| Employer contribution / active EE | $493 | $852-42.1% | $1,669-70.5% | $2,552-80.7% |
| Participant deferral / active EE | $1,495 | $1,720-13.1% | $2,923-48.9% | $4,126-63.8% |
| Admin fee / account holder | $23,606 | $3,285+618.7% | $4,712+401.0% | $7,339+221.7% |