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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 | $15,515 | $49,896-68.9% | $80,627-80.8% | $75,173-79.4% |
| Participation rate | 38.2% | 55.3%-17.1pp | 67.0%-28.8pp | 67.2%-29.0pp |
| Annual return | 12.32% | 34.67%-22.4pp | 936.76%-924.4pp | 160.72%-148.4pp |
| Employer contribution / active EE | $1,461 | $1,699-14.0% | $2,723-46.3% | $2,671-45.3% |
| Participant deferral / active EE | $2,637 | $2,992-11.8% | $4,443-40.6% | $4,126-36.1% |
| Admin fee / account holder | $7,070 | $3,578+97.6% | $5,381+31.4% | $5,651+25.1% |