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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 | $62,166-35.1% | $81,286-50.4% | $74,429-45.8% |
| Participation rate | 55.6% | 64.1%-8.5pp | 69.5%-14.0pp | 67.2%-11.7pp |
| Annual return | 9.63% | 16.50%-6.9pp | 24.80%-15.2pp | 1368.38%-1358.8pp |
| Employer contribution / active EE | $1,068 | $1,881-43.2% | $2,463-56.6% | $2,625-59.3% |
| Participant deferral / active EE | $2,183 | $3,223-32.3% | $3,883-43.8% | $4,348-49.8% |
| Admin fee / account holder | $19,358 | $1,925+905.8% | $5,764+235.8% | $1,944+895.6% |