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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 | $50,750 | $79,223-35.9% | $102,460-50.5% | $74,478-31.9% |
| Participation rate | 55.0% | 74.8%-19.8pp | 76.5%-21.6pp | 67.2%-12.3pp |
| Annual return | 10.12% | 54.98%-44.9pp | 29.47%-19.3pp | 1370.56%-1360.4pp |
| Employer contribution / active EE | $1,168 | $2,363-50.6% | $3,025-61.4% | $2,626-55.5% |
| Participant deferral / active EE | $2,286 | $4,417-48.2% | $5,056-54.8% | $4,350-47.4% |
| Admin fee / account holder | $2,978 | $2,003+48.7% | $9,460-68.5% | $1,946+53.1% |