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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 | $41,445 | $60,139-31.1% | $90,461-54.2% | $79,856-48.1% |
| Participation rate | 63.2% | 65.0%-1.8pp | 72.7%-9.5pp | 69.6%-6.5pp |
| Annual return | 8.61% | 71.96%-63.4pp | 1294.76%-1286.2pp | 31.71%-23.1pp |
| Employer contribution / active EE | $1,318 | $2,069-36.3% | $3,264-59.6% | $2,471-46.7% |
| Participant deferral / active EE | $4,350 | $2,939+48.0% | $3,964+9.7% | $3,741+16.3% |
| Admin fee / account holder | $4,854 | $3,978+22.0% | $5,617-13.6% | $5,306-8.5% |