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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 | $43,255 | $57,305-24.5% | $86,640-50.1% | $75,173-42.5% |
| Participation rate | 40.5% | 63.2%-22.7pp | 71.7%-31.2pp | 67.2%-26.7pp |
| Annual return | 10.90% | 2674.24%-2663.3pp | 592.52%-581.6pp | 160.72%-149.8pp |
| Employer contribution / active EE | $957 | $2,316-58.7% | $3,024-68.4% | $2,671-64.2% |
| Participant deferral / active EE | $1,258 | $3,320-62.1% | $4,438-71.6% | $4,126-69.5% |
| Admin fee / account holder | $493 | $4,116-88.0% | $5,616-91.2% | $5,651-91.3% |