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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 | $52,639 | $95,415-44.8% | $185,851-71.7% | $85,851-38.7% |
| Participation rate | 65.3% | 68.8%-3.5pp | 81.7%-16.4pp | 69.3%-4.0pp |
| Annual return | 11.13% | 23.59%-12.5pp | 122.11%-111.0pp | 318.63%-307.5pp |
| Employer contribution / active EE | $1,636 | $3,314-50.6% | $5,168-68.4% | $2,565-36.2% |
| Participant deferral / active EE | $2,936 | $3,424-14.2% | $5,569-47.3% | $3,952-25.7% |
| Admin fee / account holder | $19,094 | $7,215+164.7% | $16,245+17.5% | $6,261+205.0% |