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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 | $56,023 | $88,672-36.8% | $105,223-46.8% | $82,448-32.1% |
| Participation rate | 49.0% | 67.9%-18.9pp | 75.0%-26.0pp | 68.1%-19.0pp |
| Annual return | 9.76% | 30.86%-21.1pp | 180.65%-170.9pp | 41.64%-31.9pp |
| Employer contribution / active EE | $900 | $3,048-70.5% | $3,689-75.6% | $2,551-64.7% |
| Participant deferral / active EE | $2,726 | $4,036-32.5% | $5,072-46.3% | $4,139-34.2% |
| Admin fee / account holder | $12,599 | $7,146+76.3% | $8,859+42.2% | $7,234+74.2% |