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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 | $49,950 | $102,382-51.2% | $147,005-66.0% | $80,874-38.2% |
| Participation rate | 44.2% | 75.8%-31.7pp | 82.2%-38.0pp | 67.6%-23.5pp |
| Annual return | 11.20% | 134.89%-123.7pp | 418.76%-407.6pp | 35.62%-24.4pp |
| Employer contribution / active EE | $1,657 | $3,715-55.4% | $4,934-66.4% | $2,756-39.9% |
| Participant deferral / active EE | $2,998 | $6,646-54.9% | $8,070-62.8% | $4,297-30.2% |
| Admin fee / account holder | $12,979 | $7,942+63.4% | $13,006-0.2% | $6,935+87.1% |