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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 | $28,957 | $157,304-81.6% | $141,197-79.5% | $152,909-81.1% |
| Participation rate | 50.0% | 84.8%-34.8pp | 82.5%-32.5pp | 82.5%-32.5pp |
| Annual return | 0.85% | 64.34%-63.5pp | 71.41%-70.6pp | 345.46%-344.6pp |
| Employer contribution / active EE | $1,637 | $5,263-68.9% | $4,736-65.4% | $4,764-65.6% |
| Participant deferral / active EE | $3,034 | $7,111-57.3% | $6,710-54.8% | $5,851-48.2% |
| Admin fee / account holder | $3,307 | $12,126-72.7% | $10,265-67.8% | $11,601-71.5% |