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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 | $71,197-55.9% | $93,669-66.5% | $80,925-61.2% |
| Participation rate | 69.2% | 60.4%+8.8pp | 68.7%+0.5pp | 67.7%+1.6pp |
| Annual return | 6.32% | 11.27%-4.9pp | 133.59%-127.3pp | 35.65%-29.3pp |
| Employer contribution / active EE | $4,051 | $1,565+158.9% | $2,424+67.1% | $2,756+47.0% |
| Participant deferral / active EE | $1,339 | $4,036-66.8% | $4,416-69.7% | $4,299-68.8% |
| Admin fee / account holder | $894 | $6,959-87.2% | $8,291-89.2% | $6,940-87.1% |