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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 | $56,956 | $81,358-30.0% | $155,556-63.4% | $80,959-29.6% |
| Participation rate | 37.8% | 66.3%-28.5pp | 78.2%-40.4pp | 67.7%-29.9pp |
| Annual return | 10.05% | 33.39%-23.3pp | 64.84%-54.8pp | 35.67%-25.6pp |
| Employer contribution / active EE | $1,166 | $3,106-62.5% | $4,675-75.1% | $2,757-57.7% |
| Participant deferral / active EE | $2,195 | $3,455-36.5% | $5,631-61.0% | $4,300-49.0% |
| Admin fee / account holder | $18,244 | $7,994+128.2% | $15,885+14.9% | $6,925+163.4% |