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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 | $36,013 | $112,729-68.1% | $98,716-63.5% | $137,256-73.8% |
| Participation rate | 54.5% | 74.2%-19.7pp | 69.3%-14.7pp | 80.0%-25.4pp |
| Annual return | 5.57% | 38.48%-32.9pp | 31.81%-26.2pp | 220.34%-214.8pp |
| Employer contribution / active EE | $1,185 | $2,725-56.5% | $2,279-48.0% | $4,156-71.5% |
| Participant deferral / active EE | $1,739 | $4,640-62.5% | $4,048-57.0% | $6,407-72.9% |
| Admin fee / account holder | $60,150 | $10,129+493.9% | $8,703+591.2% | $12,270+390.2% |