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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 | $40,354 | $62,146-35.1% | $81,438-50.4% | $74,546-45.9% |
| Participation rate | 55.6% | 64.1%-8.5pp | 69.5%-14.0pp | 67.2%-11.7pp |
| Annual return | 9.63% | 16.49%-6.9pp | 24.74%-15.1pp | 1366.03%-1356.4pp |
| Employer contribution / active EE | $1,068 | $1,883-43.3% | $2,460-56.6% | $2,624-59.3% |
| Participant deferral / active EE | $2,183 | $3,229-32.4% | $3,883-43.8% | $4,347-49.8% |
| Admin fee / account holder | $19,358 | $1,922+907.1% | $5,764+235.9% | $1,944+896.0% |