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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 | $106,864-38.0% | $147,318-55.0% | $82,637-19.8% |
| Participation rate | 41.1% | 75.5%-34.4pp | 82.1%-41.0pp | 68.1%-27.0pp |
| Annual return | 10.97% | 27.49%-16.5pp | 70.43%-59.5pp | 53.51%-42.5pp |
| Employer contribution / active EE | $1,646 | $3,417-51.8% | $4,593-64.2% | $2,552-35.5% |
| Participant deferral / active EE | $5,422 | $6,496-16.5% | $7,906-31.4% | $4,126+31.4% |
| Admin fee / account holder | $25,524 | $8,415+203.3% | $13,708+86.2% | $7,339+247.8% |