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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 | $51,704 | $65,566-21.1% | $86,235-40.0% | $75,177-31.2% |
| Participation rate | 38.7% | 60.5%-21.8pp | 69.0%-30.2pp | 67.2%-28.5pp |
| Annual return | 9.91% | 46.07%-36.2pp | 1170.03%-1160.1pp | 160.75%-150.8pp |
| Employer contribution / active EE | $2,249 | $1,553+44.8% | $2,381-5.6% | $2,671-15.8% |
| Participant deferral / active EE | $3,038 | $3,023+0.5% | $3,987-23.8% | $4,126-26.4% |
| Admin fee / account holder | $50,249 | $5,470+818.7% | $6,856+633.0% | $5,651+789.1% |