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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 | $56,995 | $62,242-8.4% | $105,582-46.0% | $69,733-18.3% |
| Participation rate | 53.8% | 47.3%+6.6pp | 71.8%-17.9pp | 62.5%-8.6pp |
| Annual return | 9.47% | 15.40%-5.9pp | 18.61%-9.1pp | 15.22%-5.8pp |
| Employer contribution / active EE | $899 | $1,558-42.3% | $2,984-69.9% | $2,250-60.0% |
| Participant deferral / active EE | $2,357 | $2,462-4.3% | $4,353-45.8% | $3,054-22.8% |
| Admin fee / account holder | $3,615 | $4,615-21.7% | $12,856-71.9% | $3,102+16.5% |