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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 | $44,670 | $104,709-57.3% | $85,705-47.9% | $167,553-73.3% |
| Participation rate | 44.4% | 76.4%-31.9pp | 69.9%-25.4pp | 82.1%-37.7pp |
| Annual return | 8.41% | 21.45%-13.0pp | 21.49%-13.1pp | 478.89%-470.5pp |
| Employer contribution / active EE | $902 | $3,338-73.0% | $2,619-65.6% | $4,840-81.4% |
| Participant deferral / active EE | $1,850 | $4,827-61.7% | $3,924-52.9% | $6,343-70.8% |
| Admin fee / account holder | $13,825 | $10,036+37.7% | $6,877+101.0% | $12,316+12.2% |