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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 | $38,317 | $99,875-61.6% | $146,866-73.9% | $86,983-55.9% |
| Participation rate | 56.4% | 75.8%-19.4pp | 82.5%-26.1pp | 69.5%-13.2pp |
| Annual return | 11.09% | 28.10%-17.0pp | 102.85%-91.8pp | 25.83%-14.7pp |
| Employer contribution / active EE | $1,597 | $3,224-50.5% | $4,425-63.9% | $2,584-38.2% |
| Participant deferral / active EE | $2,952 | $6,322-53.3% | $7,759-62.0% | $4,194-29.6% |
| Admin fee / account holder | $44,127 | $7,838+463.0% | $13,620+224.0% | $7,856+461.7% |