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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 | $48,885 | $91,198-46.4% | $178,503-72.6% | $79,856-38.8% |
| Participation rate | 60.7% | 69.2%-8.5pp | 81.9%-21.2pp | 69.6%-8.9pp |
| Annual return | 8.12% | 24.20%-16.1pp | 151.12%-143.0pp | 31.71%-23.6pp |
| Employer contribution / active EE | $1,349 | $3,257-58.6% | $5,011-73.1% | $2,471-45.4% |
| Participant deferral / active EE | $3,446 | $3,237+6.5% | $5,202-33.8% | $3,741-7.9% |
| Admin fee / account holder | $15,489 | $6,748+129.5% | $13,987+10.7% | $5,306+191.9% |