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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 | $45,405 | $58,828-22.8% | $78,002-41.8% | $62,881-27.8% |
| Participation rate | 62.8% | 71.1%-8.3pp | 75.5%-12.7pp | 69.3%-6.5pp |
| Annual return | 1.64% | 17.16%-15.5pp | 425.99%-424.3pp | 20.14%-18.5pp |
| Employer contribution / active EE | $644 | $1,672-61.5% | $2,470-73.9% | $2,281-71.8% |
| Participant deferral / active EE | $1,435 | $2,686-46.6% | $3,497-59.0% | $3,203-55.2% |
| Admin fee / account holder | $13,162 | $4,393+199.6% | $5,481+140.1% | $4,296+206.4% |