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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 | $57,575-72.1% | $124,067-87.1% | $86,983-81.5% |
| Participation rate | 36.0% | 62.3%-26.2pp | 66.9%-30.9pp | 69.5%-33.5pp |
| Annual return | 7.95% | 19.65%-11.7pp | 31.06%-23.1pp | 25.83%-17.9pp |
| Employer contribution / active EE | $5,154 | $1,615+219.1% | $2,166+138.0% | $2,584+99.4% |
| Participant deferral / active EE | $7,302 | $2,623+178.4% | $3,463+110.8% | $4,194+74.1% |
| Admin fee / account holder | $290,777 | $8,506+3318.4% | $7,351+3855.6% | $7,856+3601.4% |