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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 | $34,751 | $108,882-68.1% | $96,754-64.1% | $154,746-77.5% |
| Participation rate | 66.7% | 75.1%-8.4pp | 70.3%-3.6pp | 80.7%-14.0pp |
| Annual return | 3.44% | 98.39%-95.0pp | 82.04%-78.6pp | 172.34%-168.9pp |
| Employer contribution / active EE | $1,517 | $3,018-49.7% | $2,679-43.4% | $4,379-65.3% |
| Participant deferral / active EE | $5,744 | $5,323+7.9% | $4,758+20.7% | $6,730-14.7% |
| Admin fee / account holder | $41,643 | $10,200+308.2% | $8,905+367.6% | $14,365+189.9% |