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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 | $49,544 | $77,920-36.4% | $149,723-66.9% | $75,177-34.1% |
| Participation rate | 40.0% | 65.6%-25.6pp | 78.8%-38.8pp | 67.2%-27.2pp |
| Annual return | 12.58% | 31.72%-19.1pp | 134.50%-121.9pp | 160.75%-148.2pp |
| Employer contribution / active EE | $1,320 | $3,138-57.9% | $4,821-72.6% | $2,671-50.6% |
| Participant deferral / active EE | $2,267 | $3,411-33.6% | $5,682-60.1% | $4,126-45.1% |
| Admin fee / account holder | $13,174 | $5,951+121.4% | $13,215-0.3% | $5,651+133.1% |