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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 | $55,630 | $88,815-37.4% | $81,882-32.1% | $145,897-61.9% |
| Participation rate | 42.9% | 75.1%-32.2pp | 72.4%-29.5pp | 80.3%-37.4pp |
| Annual return | -1.25% | 1033.75%-1035.0pp | 779.47%-780.7pp | 552.29%-553.5pp |
| Employer contribution / active EE | $753 | $3,086-75.6% | $2,916-74.2% | $4,663-83.8% |
| Participant deferral / active EE | $1,914 | $4,647-58.8% | $4,323-55.7% | $6,689-71.4% |
| Admin fee / account holder | $14,783 | $8,434+75.3% | $7,360+100.9% | $13,390+10.4% |