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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 | $47,675 | $85,171-44.0% | $172,753-72.4% | $72,976-34.7% |
| Participation rate | 56.7% | 70.1%-13.4pp | 82.6%-26.0pp | 69.5%-12.8pp |
| Annual return | 14.71% | 27.32%-12.6pp | 803.00%-788.3pp | 81.02%-66.3pp |
| Employer contribution / active EE | $2,388 | $3,324-28.2% | $5,144-53.6% | $2,440-2.2% |
| Participant deferral / active EE | $3,412 | $3,260+4.7% | $5,198-34.3% | $3,608-5.4% |
| Admin fee / account holder | $195,308 | $5,880+3221.4% | $13,956+1299.5% | $5,124+3711.5% |