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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 | $75,807-21.7% | $116,096-48.9% | $86,983-31.8% |
| Participation rate | 55.0% | 66.9%-11.9pp | 73.3%-18.3pp | 69.5%-14.5pp |
| Annual return | 5.87% | 18.57%-12.7pp | 326.25%-320.4pp | 25.83%-20.0pp |
| Employer contribution / active EE | $1,040 | $1,892-45.0% | $2,503-58.4% | $2,584-59.7% |
| Participant deferral / active EE | $3,013 | $3,212-6.2% | $3,952-23.8% | $4,194-28.2% |
| Admin fee / account holder | $17,499 | $6,659+162.8% | $7,704+127.1% | $7,856+122.7% |