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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 | $49,024-67.3% | $112,860-85.8% | $87,485-81.6% |
| Participation rate | 36.0% | 62.2%-26.1pp | 66.3%-30.3pp | 68.9%-32.9pp |
| Annual return | 7.95% | 43.86%-35.9pp | 35.26%-27.3pp | 26.06%-18.1pp |
| Employer contribution / active EE | $5,154 | $1,290+299.4% | $2,206+133.7% | $2,596+98.5% |
| Participant deferral / active EE | $7,302 | $2,209+230.6% | $3,493+109.0% | $4,274+70.9% |
| Admin fee / account holder | $290,777 | $6,266+4540.7% | $6,841+4150.2% | $7,775+3640.0% |