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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 | $107,809-67.8% | $97,032-64.2% | $155,188-77.6% |
| Participation rate | 66.7% | 75.5%-8.8pp | 71.6%-4.9pp | 80.8%-14.1pp |
| Annual return | 3.44% | 38.06%-34.6pp | 35.38%-31.9pp | 148.84%-145.4pp |
| Employer contribution / active EE | $1,517 | $2,911-47.9% | $2,629-42.3% | $4,248-64.3% |
| Participant deferral / active EE | $5,744 | $5,129+12.0% | $4,672+22.9% | $6,531-12.1% |
| Admin fee / account holder | $41,643 | $10,717+288.6% | $9,418+342.2% | $14,480+187.6% |