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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 | $16,054 | $69,137-76.8% | $182,153-91.2% | $94,015-82.9% |
| Participation rate | 36.0% | 59.6%-23.6pp | 65.7%-29.7pp | 70.8%-34.8pp |
| Annual return | 7.95% | 21.34%-13.4pp | 35.04%-27.1pp | 17.84%-9.9pp |
| Employer contribution / active EE | $5,154 | $2,152+139.5% | $2,593+98.8% | $2,790+84.7% |
| Participant deferral / active EE | $7,302 | $2,665+174.0% | $3,776+93.4% | $4,249+71.8% |
| Admin fee / account holder | $290,777 | $11,615+2403.5% | $9,477+2968.3% | $8,951+3148.5% |