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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 | $87,225-32.0% | $158,226-62.5% | $94,015-36.9% |
| Participation rate | 55.0% | 67.9%-12.9pp | 74.8%-19.8pp | 70.8%-15.8pp |
| Annual return | 5.87% | 16.34%-10.5pp | 501.41%-495.5pp | 17.84%-12.0pp |
| Employer contribution / active EE | $1,040 | $2,217-53.1% | $2,986-65.2% | $2,790-62.7% |
| Participant deferral / active EE | $3,013 | $3,405-11.5% | $4,317-30.2% | $4,249-29.1% |
| Admin fee / account holder | $17,499 | $7,888+121.8% | $10,217+71.3% | $8,951+95.5% |