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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 | $47,470 | $60,119-21.0% | $90,430-47.5% | $79,858-40.6% |
| Participation rate | 47.5% | 65.0%-17.5pp | 72.7%-25.2pp | 69.6%-22.1pp |
| Annual return | 4.77% | 71.94%-67.2pp | 1293.73%-1289.0pp | 31.72%-26.9pp |
| Employer contribution / active EE | $962 | $2,068-53.5% | $3,262-70.5% | $2,471-61.1% |
| Participant deferral / active EE | $2,286 | $2,938-22.2% | $3,963-42.3% | $3,740-38.9% |
| Admin fee / account holder | $6,878 | $3,976+73.0% | $5,613+22.5% | $5,306+29.6% |