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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 | $61,165 | $81,276-24.7% | $155,574-60.7% | $80,925-24.4% |
| Participation rate | 48.8% | 66.2%-17.5pp | 78.2%-29.4pp | 67.7%-18.9pp |
| Annual return | 10.54% | 33.36%-22.8pp | 64.87%-54.3pp | 35.65%-25.1pp |
| Employer contribution / active EE | $1,166 | $3,103-62.4% | $4,676-75.1% | $2,756-57.7% |
| Participant deferral / active EE | $2,122 | $3,453-38.5% | $5,629-62.3% | $4,299-50.6% |
| Admin fee / account holder | $46,451 | $7,993+481.1% | $15,914+191.9% | $6,940+569.3% |