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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 | $69,214 | $81,276-14.8% | $155,574-55.5% | $80,925-14.5% |
| Participation rate | 45.2% | 66.2%-21.1pp | 78.2%-33.1pp | 67.7%-22.5pp |
| Annual return | 8.24% | 33.36%-25.1pp | 64.87%-56.6pp | 35.65%-27.4pp |
| Employer contribution / active EE | $1,681 | $3,103-45.8% | $4,676-64.1% | $2,756-39.0% |
| Participant deferral / active EE | $3,045 | $3,453-11.8% | $5,629-45.9% | $4,299-29.2% |
| Admin fee / account holder | $129,537 | $7,993+1520.5% | $15,914+714.0% | $6,940+1766.5% |