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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 | $35,785 | $56,544-36.7% | $75,501-52.6% | $70,126-49.0% |
| Participation rate | 55.3% | 68.1%-12.8pp | 72.4%-17.0pp | 69.5%-14.2pp |
| Annual return | 12.10% | 23.59%-11.5pp | 27.35%-15.3pp | 73.15%-61.0pp |
| Employer contribution / active EE | $1,028 | $1,817-43.4% | $2,352-56.3% | $2,343-56.1% |
| Participant deferral / active EE | $2,351 | $2,580-8.8% | $3,142-25.2% | $3,332-29.4% |
| Admin fee / account holder | $13,506 | $3,827+252.9% | $5,801+132.8% | $4,645+190.7% |