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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 | $47,140 | $77,157-38.9% | $108,405-56.5% | $85,847-45.1% |
| Participation rate | 55.6% | 74.7%-19.1pp | 80.1%-24.6pp | 69.3%-13.8pp |
| Annual return | 11.03% | 44.55%-33.5pp | 905.55%-894.5pp | 318.61%-307.6pp |
| Employer contribution / active EE | $1,987 | $2,379-16.5% | $3,559-44.2% | $2,565-22.5% |
| Participant deferral / active EE | $3,313 | $5,567-40.5% | $6,563-49.5% | $3,952-16.2% |
| Admin fee / account holder | $1,181 | $5,174-77.2% | $7,297-83.8% | $6,261-81.1% |