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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 | $38,015 | $96,236-60.5% | $136,072-72.1% | $80,935-53.0% |
| Participation rate | 44.2% | 71.2%-27.0pp | 76.4%-32.3pp | 67.7%-23.5pp |
| Annual return | 7.86% | 28.74%-20.9pp | 580.46%-572.6pp | 35.66%-27.8pp |
| Employer contribution / active EE | $1,561 | $3,350-53.4% | $4,216-63.0% | $2,757-43.4% |
| Participant deferral / active EE | $3,344 | $5,709-41.4% | $7,028-52.4% | $4,299-22.2% |
| Admin fee / account holder | $17,822 | $8,250+116.0% | $6,718+165.3% | $6,924+157.4% |