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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 | $36,530 | $66,402-45.0% | $109,907-66.8% | $85,847-57.4% |
| Participation rate | 61.7% | 63.9%-2.2pp | 74.2%-12.6pp | 69.3%-7.7pp |
| Annual return | 11.19% | 19.59%-8.4pp | 29.46%-18.3pp | 318.61%-307.4pp |
| Employer contribution / active EE | $915 | $1,687-45.8% | $2,844-67.8% | $2,565-64.3% |
| Participant deferral / active EE | $1,587 | $2,842-44.2% | $4,047-60.8% | $3,952-59.8% |
| Admin fee / account holder | $15,561 | $4,557+241.5% | $6,069+156.4% | $6,261+148.5% |