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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 | $28,150 | $81,487-65.5% | $102,412-72.5% | $80,935-65.2% |
| Participation rate | 56.0% | 66.8%-10.8pp | 74.5%-18.5pp | 67.7%-11.7pp |
| Annual return | 7.63% | 25.60%-18.0pp | 24.94%-17.3pp | 35.66%-28.0pp |
| Employer contribution / active EE | $5,349 | $3,103+72.4% | $3,870+38.2% | $2,757+94.0% |
| Participant deferral / active EE | $1,828 | $3,871-52.8% | $5,060-63.9% | $4,299-57.5% |
| Admin fee / account holder | $20,805 | $6,717+209.7% | $8,388+148.0% | $6,924+200.5% |