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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 | $66,238 | $106,749-38.0% | $145,433-54.5% | $82,448-19.7% |
| Participation rate | 41.1% | 75.6%-34.6pp | 82.1%-41.0pp | 68.1%-27.0pp |
| Annual return | 10.97% | 27.59%-16.6pp | 66.58%-55.6pp | 41.64%-30.7pp |
| Employer contribution / active EE | $1,646 | $3,444-52.2% | $4,554-63.8% | $2,551-35.5% |
| Participant deferral / active EE | $5,422 | $6,519-16.8% | $7,897-31.3% | $4,139+31.0% |
| Admin fee / account holder | $25,524 | $8,390+204.2% | $13,129+94.4% | $7,234+252.8% |