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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 | $68,385 | $73,787-7.3% | $98,716-30.7% | $82,448-17.1% |
| Participation rate | 50.0% | 61.4%-11.4pp | 69.3%-19.3pp | 68.1%-18.1pp |
| Annual return | 7.96% | 18.57%-10.6pp | 31.81%-23.8pp | 41.64%-33.7pp |
| Employer contribution / active EE | $1,576 | $1,511+4.3% | $2,279-30.9% | $2,551-38.2% |
| Participant deferral / active EE | $1,576 | $3,081-48.9% | $4,048-61.1% | $4,139-61.9% |
| Admin fee / account holder | $105,121 | $6,500+1517.2% | $8,703+1107.9% | $7,234+1353.1% |