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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 | $142,740 | $85,171+67.6% | $172,753-17.4% | $72,976+95.6% |
| Participation rate | 43.8% | 70.1%-26.3pp | 82.6%-38.9pp | 69.5%-25.7pp |
| Annual return | 0.71% | 27.32%-26.6pp | 803.00%-802.3pp | 81.02%-80.3pp |
| Employer contribution / active EE | $1,193 | $3,324-64.1% | $5,144-76.8% | $2,440-51.1% |
| Participant deferral / active EE | $3,316 | $3,260+1.7% | $5,198-36.2% | $3,608-8.1% |
| Admin fee / account holder | $48,608 | $5,880+726.6% | $13,956+248.3% | $5,124+848.6% |