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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 | $31,009 | $51,642-40.0% | $129,384-76.0% | $80,935-61.7% |
| Participation rate | 21.1% | 56.9%-35.9pp | 69.6%-48.6pp | 67.7%-46.6pp |
| Annual return | 2.43% | 20.78%-18.4pp | 9461.77%-9459.3pp | 35.66%-33.2pp |
| Employer contribution / active EE | $1,227 | $1,583-22.5% | $4,153-70.5% | $2,757-55.5% |
| Participant deferral / active EE | $2,069 | $2,670-22.5% | $4,166-50.3% | $4,299-51.9% |
| Admin fee / account holder | $33,827 | $4,312+684.6% | $7,686+340.1% | $6,924+388.5% |