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 | $31,304 | $54,729-42.8% | $86,251-63.7% | $71,535-56.2% |
| Participation rate | 51.7% | 60.1%-8.4pp | 69.0%-17.2pp | 67.9%-16.2pp |
| Annual return | 12.83% | 20.07%-7.2pp | 1170.54%-1157.7pp | 28.97%-16.1pp |
| Employer contribution / active EE | $559 | $1,267-55.9% | $2,381-76.5% | $2,590-78.4% |
| Participant deferral / active EE | $1,816 | $3,110-41.6% | $3,987-54.4% | $4,292-57.7% |
| Admin fee / account holder | $3,637 | $1,921+89.3% | $6,857-47.0% | $1,589+128.9% |