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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 | $40,709 | $93,617-56.5% | $135,982-70.1% | $75,177-45.8% |
| Participation rate | 46.2% | 75.2%-29.0pp | 81.9%-35.8pp | 67.2%-21.1pp |
| Annual return | 13.89% | 30.89%-17.0pp | 68.32%-54.4pp | 160.75%-146.9pp |
| Employer contribution / active EE | $2,279 | $3,538-35.6% | $4,859-53.1% | $2,671-14.7% |
| Participant deferral / active EE | $4,818 | $6,406-24.8% | $7,760-37.9% | $4,126+16.8% |
| Admin fee / account holder | $53,757 | $6,980+670.2% | $10,767+399.3% | $5,651+851.2% |