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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 | $35,851 | $57,590-37.7% | $86,233-58.4% | $82,448-56.5% |
| Participation rate | 46.3% | 57.9%-11.6pp | 69.0%-22.7pp | 68.1%-21.8pp |
| Annual return | 13.02% | 22.41%-9.4pp | 61.39%-48.4pp | 41.64%-28.6pp |
| Employer contribution / active EE | $777 | $1,655-53.0% | $2,504-69.0% | $2,551-69.5% |
| Participant deferral / active EE | $1,913 | $3,080-37.9% | $4,559-58.0% | $4,139-53.8% |
| Admin fee / account holder | $24,947 | $4,730+427.4% | $8,342+199.0% | $7,234+244.8% |