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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 | $34,540 | $64,348-46.3% | $90,162-61.7% | $70,131-50.7% |
| Participation rate | 59.3% | 70.4%-11.2pp | 76.9%-17.6pp | 69.5%-10.3pp |
| Annual return | 12.87% | 28.13%-15.3pp | 34.88%-22.0pp | 73.14%-60.3pp |
| Employer contribution / active EE | $2,639 | $2,046+29.0% | $3,318-20.5% | $2,342+12.7% |
| Participant deferral / active EE | $4,637 | $4,389+5.7% | $5,287-12.3% | $3,332+39.2% |
| Admin fee / account holder | $63,287 | $3,944+1504.8% | $5,943+965.0% | $4,645+1262.3% |