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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 | $49,188 | $100,911-51.3% | $90,440-45.6% | $158,966-69.1% |
| Participation rate | 60.0% | 75.0%-15.0pp | 72.7%-12.7pp | 82.0%-22.0pp |
| Annual return | -7.80% | 1726.62%-1734.4pp | 1294.38%-1302.2pp | 302.95%-310.7pp |
| Employer contribution / active EE | $1,048 | $3,690-71.6% | $3,263-67.9% | $4,762-78.0% |
| Participant deferral / active EE | $6,429 | $4,348+47.8% | $3,964+62.2% | $5,983+7.5% |
| Admin fee / account holder | $677 | $6,507-89.6% | $5,615-87.9% | $11,250-94.0% |