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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 | $54,667 | $91,559-40.3% | $133,978-59.2% | $79,856-31.5% |
| Participation rate | 67.3% | 73.3%-6.0pp | 79.8%-12.5pp | 69.6%-2.3pp |
| Annual return | 0.21% | 61.85%-61.6pp | 45.10%-44.9pp | 31.71%-31.5pp |
| Employer contribution / active EE | $1,449 | $2,384-39.2% | $3,919-63.0% | $2,471-41.4% |
| Participant deferral / active EE | $2,413 | $3,734-35.4% | $5,047-52.2% | $3,741-35.5% |
| Admin fee / account holder | $3,248 | $6,321-48.6% | $8,930-63.6% | $5,306-38.8% |