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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 | $53,189 | $100,203-46.9% | $85,240-37.6% | $145,897-63.5% |
| Participation rate | 40.0% | 74.1%-34.1pp | 67.5%-27.5pp | 80.3%-40.3pp |
| Annual return | 7.40% | 84.28%-76.9pp | 66.75%-59.4pp | 552.29%-544.9pp |
| Employer contribution / active EE | $690 | $3,242-78.7% | $2,735-74.8% | $4,663-85.2% |
| Participant deferral / active EE | $1,095 | $5,299-79.3% | $4,527-75.8% | $6,689-83.6% |
| Admin fee / account holder | $28,153 | $7,265+287.5% | $6,165+356.7% | $13,390+110.2% |