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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 | $56,055 | $36,948+51.7% | $73,658-23.9% | $87,485-35.9% |
| Participation rate | 39.4% | 46.8%-7.4pp | 57.0%-17.6pp | 68.9%-29.5pp |
| Annual return | 11.16% | 28.64%-17.5pp | 29.72%-18.6pp | 26.06%-14.9pp |
| Employer contribution / active EE | $264 | $670-60.5% | $1,032-74.4% | $2,596-89.8% |
| Participant deferral / active EE | $1,360 | $1,379-1.4% | $2,062-34.0% | $4,274-68.2% |
| Admin fee / account holder | $17,597 | $2,531+595.3% | $3,357+424.2% | $7,775+126.3% |