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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 | $56,515 | $72,177-21.7% | $115,038-50.9% | $59,633-5.2% |
| Participation rate | 54.5% | 72.6%-18.0pp | 81.4%-26.8pp | 68.7%-14.1pp |
| Annual return | -2.90% | 12.02%-14.9pp | 26.14%-29.0pp | 2041.45%-2044.3pp |
| Employer contribution / active EE | $3,030 | $2,841+6.7% | $4,608-34.2% | $2,203+37.6% |
| Participant deferral / active EE | $2,241 | $4,783-53.1% | $6,026-62.8% | $3,192-29.8% |
| Admin fee / account holder | $1,172 | $4,927-76.2% | $8,175-85.7% | $4,297-72.7% |