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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 | $50,842 | $56,894-10.6% | $84,753-40.0% | $62,881-19.1% |
| Participation rate | 37.9% | 68.5%-30.6pp | 76.6%-38.7pp | 69.3%-31.4pp |
| Annual return | 1.25% | 6.30%-5.1pp | 22.78%-21.5pp | 20.14%-18.9pp |
| Employer contribution / active EE | $1,457 | $2,400-39.3% | $3,574-59.3% | $2,281-36.1% |
| Participant deferral / active EE | $3,977 | $2,709+46.8% | $3,712+7.1% | $3,203+24.2% |
| Admin fee / account holder | $65,560 | $3,581+1730.8% | $5,333+1129.3% | $4,296+1426.2% |