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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 | $60,018 | $84,236-28.8% | $170,435-64.8% | $70,126-14.4% |
| Participation rate | 46.3% | 70.8%-24.5pp | 83.6%-37.3pp | 69.5%-23.2pp |
| Annual return | 11.64% | 23.06%-11.4pp | 205.94%-194.3pp | 73.15%-61.5pp |
| Employer contribution / active EE | $417 | $3,387-87.7% | $5,432-92.3% | $2,343-82.2% |
| Participant deferral / active EE | $1,747 | $3,086-43.4% | $4,939-64.6% | $3,332-47.6% |
| Admin fee / account holder | $5,402 | $5,698-5.2% | $13,881-61.1% | $4,645+16.3% |