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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 | $31,421 | $71,057-55.8% | $93,654-66.4% | $80,874-61.1% |
| Participation rate | 69.2% | 60.4%+8.8pp | 68.7%+0.5pp | 67.6%+1.6pp |
| Annual return | 6.32% | 11.26%-4.9pp | 133.34%-127.0pp | 35.62%-29.3pp |
| Employer contribution / active EE | $4,051 | $1,564+159.0% | $2,421+67.3% | $2,756+47.0% |
| Participant deferral / active EE | $1,339 | $4,034-66.8% | $4,413-69.7% | $4,297-68.8% |
| Admin fee / account holder | $894 | $6,944-87.1% | $8,282-89.2% | $6,935-87.1% |