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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 | $74,535+2.7% | $100,712-24.0% | $82,637-7.4% |
| Participation rate | 50.0% | 61.2%-11.2pp | 69.3%-19.3pp | 68.1%-18.1pp |
| Annual return | 9.63% | 18.92%-9.3pp | 33.27%-23.6pp | 53.51%-43.9pp |
| Employer contribution / active EE | $392 | $1,503-73.9% | $2,313-83.0% | $2,552-84.6% |
| Participant deferral / active EE | $2,449 | $3,074-20.3% | $4,085-40.0% | $4,126-40.6% |
| Admin fee / account holder | $10,690 | $6,576+62.6% | $9,256+15.5% | $7,339+45.7% |