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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 | $38,625 | $181,896-78.8% | $156,551-75.3% | $273,972-85.9% |
| Participation rate | 66.7% | 88.4%-21.7pp | 84.0%-17.3pp | 83.0%-16.3pp |
| Annual return | 0.71% | 30.74%-30.0pp | 32.23%-31.5pp | 41.46%-40.7pp |
| Employer contribution / active EE | $1,940 | $6,248-68.9% | $5,501-64.7% | $4,869-60.1% |
| Participant deferral / active EE | $4,512 | $5,550-18.7% | $4,871-7.4% | $5,287-14.7% |
| Admin fee / account holder | $55,426 | $15,560+256.2% | $13,028+325.4% | $10,133+447.0% |