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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 | $83,898-18.5% | $133,346-48.7% | $94,015-27.3% |
| Participation rate | 50.0% | 63.4%-13.4pp | 72.8%-22.8pp | 70.8%-20.8pp |
| Annual return | 7.96% | 16.00%-8.0pp | 36.85%-28.9pp | 17.84%-9.9pp |
| Employer contribution / active EE | $1,576 | $1,821-13.5% | $2,853-44.8% | $2,790-43.5% |
| Participant deferral / active EE | $1,576 | $3,245-51.4% | $4,332-63.6% | $4,249-62.9% |
| Admin fee / account holder | $105,121 | $7,809+1246.2% | $14,264+637.0% | $8,951+1074.4% |