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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 | $76,551 | $73,787+3.7% | $98,716-22.5% | $82,448-7.2% |
| Participation rate | 50.0% | 61.4%-11.4pp | 69.3%-19.3pp | 68.1%-18.1pp |
| Annual return | 9.63% | 18.57%-8.9pp | 31.81%-22.2pp | 41.64%-32.0pp |
| Employer contribution / active EE | $392 | $1,511-74.0% | $2,279-82.8% | $2,551-84.6% |
| Participant deferral / active EE | $2,449 | $3,081-20.5% | $4,048-39.5% | $4,139-40.8% |
| Admin fee / account holder | $10,690 | $6,500+64.5% | $8,703+22.8% | $7,234+47.8% |