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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 | $62,177-35.1% | $81,370-50.4% | $74,478-45.8% |
| Participation rate | 55.6% | 64.1%-8.5pp | 69.5%-14.0pp | 67.2%-11.7pp |
| Annual return | 9.63% | 16.62%-7.0pp | 24.85%-15.2pp | 1370.56%-1360.9pp |
| Employer contribution / active EE | $1,068 | $1,881-43.2% | $2,464-56.7% | $2,626-59.3% |
| Participant deferral / active EE | $2,183 | $3,219-32.2% | $3,885-43.8% | $4,350-49.8% |
| Admin fee / account holder | $19,358 | $1,927+904.7% | $5,749+236.7% | $1,946+894.8% |