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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 | $52,079 | $63,346-17.8% | $92,240-43.5% | $70,126-25.7% |
| Participation rate | 53.2% | 68.7%-15.4pp | 76.5%-23.3pp | 69.5%-16.3pp |
| Annual return | 7.80% | 530.19%-522.4pp | 176.29%-168.5pp | 73.15%-65.4pp |
| Employer contribution / active EE | $1,290 | $2,471-47.8% | $3,680-65.0% | $2,343-44.9% |
| Participant deferral / active EE | $1,933 | $2,854-32.3% | $3,897-50.4% | $3,332-42.0% |
| Admin fee / account holder | $1,043 | $3,841-72.8% | $5,194-79.9% | $4,645-77.6% |