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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 | $40,175 | $62,592-35.8% | $85,709-53.1% | $85,847-53.2% |
| Participation rate | 60.7% | 61.1%-0.4pp | 69.9%-9.1pp | 69.3%-8.6pp |
| Annual return | 10.08% | 23.77%-13.7pp | 21.49%-11.4pp | 318.61%-308.5pp |
| Employer contribution / active EE | $1,520 | $1,755-13.4% | $2,619-41.9% | $2,565-40.7% |
| Participant deferral / active EE | $2,684 | $2,802-4.2% | $3,924-31.6% | $3,952-32.1% |
| Admin fee / account holder | $9,743 | $4,643+109.9% | $6,876+41.7% | $6,261+55.6% |