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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 | $29,074 | $79,955-63.6% | $98,461-70.5% | $75,173-61.3% |
| Participation rate | 52.4% | 70.4%-18.0pp | 75.2%-22.8pp | 67.2%-14.8pp |
| Annual return | 8.79% | 19.75%-11.0pp | 21.17%-12.4pp | 160.72%-151.9pp |
| Employer contribution / active EE | $1,083 | $2,264-52.2% | $3,049-64.5% | $2,671-59.5% |
| Participant deferral / active EE | $2,217 | $3,752-40.9% | $4,738-53.2% | $4,126-46.3% |
| Admin fee / account holder | $17,271 | $6,841+152.5% | $8,961+92.7% | $5,651+205.7% |