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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 | $52,816 | $77,908-32.2% | $149,696-64.7% | $75,173-29.7% |
| Participation rate | 47.9% | 65.6%-17.7pp | 78.8%-30.9pp | 67.2%-19.3pp |
| Annual return | 11.87% | 31.73%-19.9pp | 134.46%-122.6pp | 160.72%-148.8pp |
| Employer contribution / active EE | $944 | $3,138-69.9% | $4,821-80.4% | $2,671-64.7% |
| Participant deferral / active EE | $1,391 | $3,411-59.2% | $5,682-75.5% | $4,126-66.3% |
| Admin fee / account holder | $4,499 | $5,950-24.4% | $13,212-66.0% | $5,651-20.4% |