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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 | $37,129 | $97,648-62.0% | $121,663-69.5% | $87,485-57.6% |
| Participation rate | 63.0% | 70.5%-7.5pp | 74.5%-11.5pp | 68.9%-6.0pp |
| Annual return | 8.87% | 18.03%-9.2pp | 147.54%-138.7pp | 26.06%-17.2pp |
| Employer contribution / active EE | $1,625 | $2,300-29.3% | $3,020-46.2% | $2,596-37.4% |
| Participant deferral / active EE | $3,727 | $3,923-5.0% | $4,887-23.7% | $4,274-12.8% |
| Admin fee / account holder | $26,564 | $11,100+139.3% | $14,289+85.9% | $7,775+241.7% |