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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 | $34,618 | $77,908-55.6% | $149,696-76.9% | $75,173-53.9% |
| Participation rate | 68.0% | 65.6%+2.4pp | 78.8%-10.8pp | 67.2%+0.8pp |
| Annual return | 8.09% | 31.73%-23.6pp | 134.46%-126.4pp | 160.72%-152.6pp |
| Employer contribution / active EE | $1,064 | $3,138-66.1% | $4,821-77.9% | $2,671-60.2% |
| Participant deferral / active EE | $2,518 | $3,411-26.2% | $5,682-55.7% | $4,126-39.0% |
| Admin fee / account holder | $14,343 | $5,950+141.1% | $13,212+8.6% | $5,651+153.8% |