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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 | $38,644 | $89,367-56.8% | $141,191-72.6% | $72,975-47.0% |
| Participation rate | 69.7% | 75.1%-5.4pp | 82.5%-12.8pp | 69.5%+0.2pp |
| Annual return | 18.73% | 111.87%-93.1pp | 71.41%-52.7pp | 81.01%-62.3pp |
| Employer contribution / active EE | $1,996 | $3,115-35.9% | $4,736-57.9% | $2,440-18.2% |
| Participant deferral / active EE | $4,068 | $5,419-24.9% | $6,710-39.4% | $3,608+12.8% |
| Admin fee / account holder | $1,051 | $5,957-82.4% | $10,264-89.8% | $5,124-79.5% |