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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 | $59,322 | $73,107-18.9% | $114,563-48.2% | $87,485-32.2% |
| Participation rate | 55.0% | 65.8%-10.8pp | 72.9%-17.9pp | 68.9%-13.9pp |
| Annual return | 5.87% | 19.47%-13.6pp | 241.09%-235.2pp | 26.06%-20.2pp |
| Employer contribution / active EE | $1,040 | $1,881-44.7% | $2,592-59.9% | $2,596-59.9% |
| Participant deferral / active EE | $3,013 | $3,144-4.2% | $4,142-27.3% | $4,274-29.5% |
| Admin fee / account holder | $17,499 | $5,770+203.3% | $7,623+129.5% | $7,775+125.1% |