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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 | $19,617 | $110,212-82.2% | $96,534-79.7% | $139,466-85.9% |
| Participation rate | 57.1% | 78.1%-21.0pp | 76.0%-18.8pp | 80.3%-23.2pp |
| Annual return | 6.84% | 26.42%-19.6pp | 25.88%-19.0pp | 373.66%-366.8pp |
| Employer contribution / active EE | $1,189 | $3,620-67.2% | $2,965-59.9% | $4,754-75.0% |
| Participant deferral / active EE | $2,723 | $5,547-50.9% | $4,851-43.9% | $6,712-59.4% |
| Admin fee / account holder | $50,007 | $11,599+331.1% | $8,253+505.9% | $11,409+338.3% |