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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 | $41,074 | $101,798-59.7% | $165,071-75.1% | $80,935-49.3% |
| Participation rate | 59.5% | 71.8%-12.3pp | 78.6%-19.1pp | 67.7%-8.1pp |
| Annual return | 9.48% | 16.73%-7.2pp | 70.17%-60.7pp | 35.66%-26.2pp |
| Employer contribution / active EE | $1,204 | $2,954-59.2% | $4,347-72.3% | $2,757-56.3% |
| Participant deferral / active EE | $3,600 | $4,476-19.6% | $6,035-40.3% | $4,299-16.3% |
| Admin fee / account holder | $1,496 | $8,221-81.8% | $12,695-88.2% | $6,924-78.4% |