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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 | $23,031 | $88,672-74.0% | $105,223-78.1% | $82,448-72.1% |
| Participation rate | 46.2% | 67.9%-21.8pp | 75.0%-28.9pp | 68.1%-21.9pp |
| Annual return | 4.13% | 30.86%-26.7pp | 180.65%-176.5pp | 41.64%-37.5pp |
| Employer contribution / active EE | $3,311 | $3,048+8.6% | $3,689-10.2% | $2,551+29.8% |
| Participant deferral / active EE | $2,229 | $4,036-44.8% | $5,072-56.0% | $4,139-46.1% |
| Admin fee / account holder | $17,720 | $7,146+148.0% | $8,859+100.0% | $7,234+144.9% |