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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 | $87,883 | $78,423+12.1% | $95,964-8.4% | $79,856+10.1% |
| Participation rate | 62.5% | 73.5%-11.0pp | 77.1%-14.6pp | 69.6%-7.1pp |
| Annual return | 7.44% | 19.37%-11.9pp | 91.64%-84.2pp | 31.71%-24.3pp |
| Employer contribution / active EE | $870 | $1,945-55.3% | $2,541-65.8% | $2,471-64.8% |
| Participant deferral / active EE | $2,644 | $3,440-23.2% | $4,167-36.6% | $3,741-29.3% |
| Admin fee / account holder | $638 | $5,622-88.6% | $6,797-90.6% | $5,306-88.0% |