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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 | $62,411 | $80,781-22.7% | $102,437-39.1% | $74,478-16.2% |
| Participation rate | 51.7% | 65.7%-13.9pp | 74.5%-22.8pp | 67.2%-15.5pp |
| Annual return | 10.84% | 27.58%-16.7pp | 24.95%-14.1pp | 1370.56%-1359.7pp |
| Employer contribution / active EE | $1,277 | $3,160-59.6% | $3,871-67.0% | $2,626-51.4% |
| Participant deferral / active EE | $2,307 | $3,862-40.3% | $5,060-54.4% | $4,350-47.0% |
| Admin fee / account holder | $4,371 | $2,372+84.3% | $8,388-47.9% | $1,946+124.7% |