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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 | $33,549 | $102,385-67.2% | $147,080-77.2% | $80,935-58.5% |
| Participation rate | 60.0% | 75.9%-15.9pp | 82.2%-22.2pp | 67.7%-7.7pp |
| Annual return | 8.70% | 135.09%-126.4pp | 420.17%-411.5pp | 35.66%-27.0pp |
| Employer contribution / active EE | $1,543 | $3,717-58.5% | $4,933-68.7% | $2,757-44.0% |
| Participant deferral / active EE | $3,101 | $6,651-53.4% | $8,066-61.6% | $4,299-27.9% |
| Admin fee / account holder | $62,697 | $7,951+688.5% | $12,989+382.7% | $6,924+805.5% |