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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 | $40,030 | $77,460-48.3% | $100,378-60.1% | $80,925-50.5% |
| Participation rate | 59.6% | 76.9%-17.3pp | 81.5%-21.9pp | 67.7%-8.0pp |
| Annual return | 10.96% | 37.24%-26.3pp | 49.41%-38.5pp | 35.65%-24.7pp |
| Employer contribution / active EE | $1,536 | $2,801-45.2% | $3,942-61.0% | $2,756-44.3% |
| Participant deferral / active EE | $3,388 | $6,818-50.3% | $8,087-58.1% | $4,299-21.2% |
| Admin fee / account holder | $19,886 | $5,887+237.8% | $7,899+151.8% | $6,940+186.5% |