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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 | $45,004 | $60,454-25.6% | $81,844-45.0% | $74,459-39.6% |
| Participation rate | 37.3% | 63.0%-25.7pp | 72.4%-35.1pp | 67.2%-30.0pp |
| Annual return | 10.50% | 16.87%-6.4pp | 778.87%-768.4pp | 1369.70%-1359.2pp |
| Employer contribution / active EE | $765 | $2,630-70.9% | $2,916-73.8% | $2,626-70.9% |
| Participant deferral / active EE | $1,630 | $3,398-52.0% | $4,323-62.3% | $4,350-62.5% |
| Admin fee / account holder | $8,685 | $1,490+482.7% | $7,355+18.1% | $1,945+346.6% |