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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 | $100,073-46.8% | $85,126-37.5% | $145,877-63.5% |
| Participation rate | 40.0% | 74.1%-34.1pp | 67.5%-27.5pp | 80.3%-40.3pp |
| Annual return | 7.40% | 84.11%-76.7pp | 66.63%-59.2pp | 551.28%-543.9pp |
| Employer contribution / active EE | $690 | $3,236-78.7% | $2,731-74.8% | $4,663-85.2% |
| Participant deferral / active EE | $1,095 | $5,294-79.3% | $4,523-75.8% | $6,691-83.6% |
| Admin fee / account holder | $28,153 | $7,261+287.7% | $6,160+357.0% | $13,402+110.1% |