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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 | $49,911 | $81,358-38.7% | $155,556-67.9% | $80,959-38.4% |
| Participation rate | 23.1% | 66.3%-43.2pp | 78.2%-55.1pp | 67.7%-44.6pp |
| Annual return | 9.88% | 33.39%-23.5pp | 64.84%-55.0pp | 35.67%-25.8pp |
| Employer contribution / active EE | $839 | $3,106-73.0% | $4,675-82.1% | $2,757-69.6% |
| Participant deferral / active EE | $2,266 | $3,455-34.4% | $5,631-59.8% | $4,300-47.3% |
| Admin fee / account holder | $23,311 | $7,994+191.6% | $15,885+46.8% | $6,925+236.6% |