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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 | $68,371 | $72,273-5.4% | $101,275-32.5% | $79,856-14.4% |
| Participation rate | 51.5% | 68.5%-16.9pp | 75.8%-24.3pp | 69.6%-18.1pp |
| Annual return | 5.32% | 22.30%-17.0pp | 46.48%-41.2pp | 31.71%-26.4pp |
| Employer contribution / active EE | $925 | $2,691-65.6% | $3,660-74.7% | $2,471-62.6% |
| Participant deferral / active EE | $3,121 | $3,282-4.9% | $4,371-28.6% | $3,741-16.6% |
| Admin fee / account holder | $29,264 | $4,401+564.9% | $5,948+392.0% | $5,306+451.5% |