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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 | $67,181 | $102,429-34.4% | $147,096-54.3% | $80,925-17.0% |
| Participation rate | 42.3% | 75.9%-33.6pp | 82.2%-39.9pp | 67.7%-25.4pp |
| Annual return | 9.74% | 135.02%-125.3pp | 419.75%-410.0pp | 35.65%-25.9pp |
| Employer contribution / active EE | $1,680 | $3,716-54.8% | $4,936-66.0% | $2,756-39.1% |
| Participant deferral / active EE | $2,826 | $6,649-57.5% | $8,071-65.0% | $4,299-34.3% |
| Admin fee / account holder | $21,586 | $7,957+171.3% | $13,005+66.0% | $6,940+211.0% |