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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 | $79,142 | $68,878+14.9% | $120,574-34.4% | $80,935-2.2% |
| Participation rate | 46.2% | 61.7%-15.5pp | 71.9%-25.8pp | 67.7%-21.5pp |
| Annual return | 7.06% | 23.67%-16.6pp | 107.42%-100.4pp | 35.66%-28.6pp |
| Employer contribution / active EE | $1,008 | $2,065-51.2% | $3,471-70.9% | $2,757-63.4% |
| Participant deferral / active EE | $2,282 | $3,189-28.4% | $4,996-54.3% | $4,299-46.9% |
| Admin fee / account holder | $105,343 | $5,782+1722.0% | $9,445+1015.3% | $6,924+1421.3% |