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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 | $74,973 | $65,027+15.3% | $90,970-17.6% | $79,852-6.1% |
| Participation rate | 40.8% | 61.6%-20.8pp | 69.0%-28.2pp | 69.6%-28.8pp |
| Annual return | 9.17% | 30.45%-21.3pp | 134.58%-125.4pp | 31.72%-22.5pp |
| Employer contribution / active EE | $564 | $1,247-54.8% | $2,122-73.4% | $2,471-77.2% |
| Participant deferral / active EE | $1,848 | $2,512-26.4% | $3,373-45.2% | $3,740-50.6% |
| Admin fee / account holder | $23,085 | $4,535+409.0% | $5,960+287.3% | $5,306+335.1% |