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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 | $71,208-19.5% | $93,681-38.8% | $80,911-29.2% |
| Participation rate | 69.2% | 60.4%+8.8pp | 68.7%+0.5pp | 67.6%+1.6pp |
| Annual return | 9.33% | 11.27%-1.9pp | 133.47%-124.1pp | 35.63%-26.3pp |
| Employer contribution / active EE | $707 | $1,564-54.8% | $2,422-70.8% | $2,756-74.3% |
| Participant deferral / active EE | $2,567 | $4,035-36.4% | $4,415-41.9% | $4,297-40.3% |
| Admin fee / account holder | $3,836 | $6,951-44.8% | $8,290-53.7% | $6,935-44.7% |