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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 | $63,046 | $77,920-19.1% | $149,723-57.9% | $75,177-16.1% |
| Participation rate | 48.1% | 65.6%-17.4pp | 78.8%-30.6pp | 67.2%-19.1pp |
| Annual return | 12.47% | 31.72%-19.3pp | 134.50%-122.0pp | 160.75%-148.3pp |
| Employer contribution / active EE | $384 | $3,138-87.8% | $4,821-92.0% | $2,671-85.6% |
| Participant deferral / active EE | $2,785 | $3,411-18.4% | $5,682-51.0% | $4,126-32.5% |
| Admin fee / account holder | $1,129 | $5,951-81.0% | $13,215-91.5% | $5,651-80.0% |