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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 | $69,774 | $81,276-14.2% | $155,574-55.2% | $80,925-13.8% |
| Participation rate | 43.8% | 66.2%-22.5pp | 78.2%-34.5pp | 67.7%-23.9pp |
| Annual return | 8.71% | 33.36%-24.7pp | 64.87%-56.2pp | 35.65%-26.9pp |
| Employer contribution / active EE | $1,230 | $3,103-60.4% | $4,676-73.7% | $2,756-55.4% |
| Participant deferral / active EE | $2,520 | $3,453-27.0% | $5,629-55.2% | $4,299-41.4% |
| Admin fee / account holder | $13,956 | $7,993+74.6% | $15,914-12.3% | $6,940+101.1% |