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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 | $57,297 | $71,230-19.6% | $93,727-38.9% | $80,959-29.2% |
| Participation rate | 69.2% | 60.4%+8.8pp | 68.7%+0.5pp | 67.7%+1.6pp |
| Annual return | 9.33% | 11.26%-1.9pp | 133.83%-124.5pp | 35.67%-26.3pp |
| Employer contribution / active EE | $707 | $1,565-54.8% | $2,421-70.8% | $2,757-74.4% |
| Participant deferral / active EE | $2,567 | $4,037-36.4% | $4,417-41.9% | $4,300-40.3% |
| Admin fee / account holder | $3,836 | $6,961-44.9% | $8,292-53.7% | $6,925-44.6% |