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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 | $55,170 | $81,276-32.1% | $155,574-64.5% | $80,925-31.8% |
| Participation rate | 48.3% | 66.2%-18.0pp | 78.2%-29.9pp | 67.7%-19.4pp |
| Annual return | 8.00% | 33.36%-25.4pp | 64.87%-56.9pp | 35.65%-27.6pp |
| Employer contribution / active EE | $1,012 | $3,103-67.4% | $4,676-78.4% | $2,756-63.3% |
| Participant deferral / active EE | $1,934 | $3,453-44.0% | $5,629-65.6% | $4,299-55.0% |
| Admin fee / account holder | $720 | $7,993-91.0% | $15,914-95.5% | $6,940-89.6% |