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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 | $60,751 | $100,073-39.3% | $85,126-28.6% | $145,877-58.4% |
| Participation rate | 29.2% | 74.1%-44.9pp | 67.5%-38.4pp | 80.3%-51.1pp |
| Annual return | 2.89% | 84.11%-81.2pp | 66.63%-63.7pp | 551.28%-548.4pp |
| Employer contribution / active EE | $1,226 | $3,236-62.1% | $2,731-55.1% | $4,663-73.7% |
| Participant deferral / active EE | $3,295 | $5,294-37.8% | $4,523-27.2% | $6,691-50.8% |
| Admin fee / account holder | $5,972 | $7,261-17.7% | $6,160-3.1% | $13,402-55.4% |