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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 | $50,692 | $70,418-28.0% | $96,570-47.5% | $85,847-41.0% |
| Participation rate | 50.8% | 61.8%-11.0pp | 69.8%-19.0pp | 69.3%-18.5pp |
| Annual return | 10.57% | 18.59%-8.0pp | 37.79%-27.2pp | 318.61%-308.0pp |
| Employer contribution / active EE | $1,138 | $1,413-19.5% | $2,357-51.7% | $2,565-55.7% |
| Participant deferral / active EE | $2,710 | $2,894-6.3% | $3,849-29.6% | $3,952-31.4% |
| Admin fee / account holder | $12,546 | $4,995+151.2% | $6,182+102.9% | $6,261+100.4% |