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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 | $50,558 | $85,515-40.9% | $112,040-54.9% | $67,986-25.6% |
| Participation rate | 35.4% | 68.2%-32.8pp | 76.5%-41.1pp | 57.2%-21.8pp |
| Annual return | 8.37% | 29.68%-21.3pp | 24.52%-16.1pp | 31.67%-23.3pp |
| Employer contribution / active EE | $1,226 | $2,191-44.0% | $2,954-58.5% | $2,019-39.3% |
| Participant deferral / active EE | $2,306 | $4,014-42.6% | $5,098-54.8% | $3,358-31.3% |
| Admin fee / account holder | $37,204 | $3,774+885.9% | $12,098+207.5% | $3,203+1061.5% |