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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 | $49,330 | $81,457-39.4% | $103,378-52.3% | $80,911-39.0% |
| Participation rate | 43.3% | 66.8%-23.5pp | 74.5%-31.2pp | 67.6%-24.3pp |
| Annual return | 9.07% | 25.58%-16.5pp | 24.91%-15.8pp | 35.63%-26.6pp |
| Employer contribution / active EE | $2,476 | $3,107-20.3% | $3,870-36.0% | $2,756-10.1% |
| Participant deferral / active EE | $4,102 | $3,871+6.0% | $5,058-18.9% | $4,297-4.6% |
| Admin fee / account holder | $36,317 | $6,717+440.7% | $8,401+332.3% | $6,935+423.7% |