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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 | $58,048-1.8% | $94,215-39.5% | $65,306-12.7% |
| Participation rate | 53.8% | 45.3%+8.5pp | 70.0%-16.1pp | 57.7%-3.8pp |
| Annual return | 9.47% | 19.61%-10.1pp | 28.22%-18.7pp | 21.94%-12.5pp |
| Employer contribution / active EE | $899 | $1,427-37.0% | $2,675-66.4% | $1,967-54.3% |
| Participant deferral / active EE | $2,357 | $2,407-2.0% | $4,276-44.9% | $2,959-20.3% |
| Admin fee / account holder | $3,615 | $4,610-21.6% | $10,216-64.6% | $3,480+3.9% |