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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 | $55,921 | $48,050+16.4% | $85,969-35.0% | $59,633-6.2% |
| Participation rate | 23.0% | 64.5%-41.5pp | 76.5%-53.6pp | 68.7%-45.7pp |
| Annual return | -3.37% | 0.29%-3.7pp | 9.32%-12.7pp | 2041.45%-2044.8pp |
| Employer contribution / active EE | $503 | $1,640-69.3% | $3,474-85.5% | $2,203-77.2% |
| Participant deferral / active EE | $1,213 | $2,249-46.1% | $3,829-68.3% | $3,192-62.0% |
| Admin fee / account holder | $2,845 | $3,206-11.3% | $6,053-53.0% | $4,297-33.8% |