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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 | $52,657 | $136,860-61.5% | $120,344-56.2% | $154,746-66.0% |
| Participation rate | 30.8% | 79.9%-49.1pp | 76.7%-45.9pp | 80.7%-49.9pp |
| Annual return | 5.31% | 21.38%-16.1pp | 20.30%-15.0pp | 172.34%-167.0pp |
| Employer contribution / active EE | $1,826 | $3,533-48.3% | $3,020-39.5% | $4,379-58.3% |
| Participant deferral / active EE | $5,170 | $5,793-10.8% | $5,135+0.7% | $6,730-23.2% |
| Admin fee / account holder | $141,754 | $15,393+820.9% | $12,742+1012.5% | $14,365+886.8% |