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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 | $39,656 | $85,766-53.8% | $136,298-70.9% | $70,126-43.5% |
| Participation rate | 33.3% | 74.2%-40.8pp | 81.9%-48.6pp | 69.5%-36.2pp |
| Annual return | 10.48% | 31.46%-21.0pp | 5156.27%-5145.8pp | 73.15%-62.7pp |
| Employer contribution / active EE | $0 | $2,966-100.0% | $4,696-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,105 | $5,051-38.5% | $6,247-50.3% | $3,332-6.8% |
| Admin fee / account holder | $20,012 | $5,421+269.2% | $9,244+116.5% | $4,645+330.8% |