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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 | $59,373 | $77,638-23.5% | $156,551-62.1% | $62,881-5.6% |
| Participation rate | 13.6% | 71.2%-57.6pp | 84.0%-70.4pp | 69.3%-55.7pp |
| Annual return | 2.09% | 50.33%-48.2pp | 32.23%-30.1pp | 20.14%-18.1pp |
| Employer contribution / active EE | $2,058 | $3,444-40.3% | $5,501-62.6% | $2,281-9.8% |
| Participant deferral / active EE | $1,091 | $3,046-64.2% | $4,871-77.6% | $3,203-65.9% |
| Admin fee / account holder | $1,447 | $5,561-74.0% | $13,028-88.9% | $4,296-66.3% |