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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 | $102,422-51.2% | $147,117-66.0% | $80,959-38.3% |
| Participation rate | 44.2% | 75.9%-31.7pp | 82.2%-38.0pp | 67.7%-23.5pp |
| Annual return | 11.20% | 135.16%-124.0pp | 420.54%-409.3pp | 35.67%-24.5pp |
| Employer contribution / active EE | $1,657 | $3,717-55.4% | $4,932-66.4% | $2,757-39.9% |
| Participant deferral / active EE | $2,998 | $6,652-54.9% | $8,065-62.8% | $4,300-30.3% |
| Admin fee / account holder | $12,979 | $7,953+63.2% | $12,993-0.1% | $6,925+87.4% |