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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 | $76,834-11.0% | $108,359-36.9% | $87,485-21.8% |
| Participation rate | 50.0% | 61.7%-11.7pp | 70.1%-20.1pp | 68.9%-18.9pp |
| Annual return | 7.96% | 19.09%-11.1pp | 36.89%-28.9pp | 26.06%-18.1pp |
| Employer contribution / active EE | $1,576 | $1,556+1.2% | $2,399-34.3% | $2,596-39.3% |
| Participant deferral / active EE | $1,576 | $3,100-49.2% | $4,137-61.9% | $4,274-63.1% |
| Admin fee / account holder | $105,121 | $6,537+1508.1% | $9,741+979.2% | $7,775+1252.1% |