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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 | $44,998 | $51,638-12.9% | $68,368-34.2% | $82,448-45.4% |
| Participation rate | 54.0% | 63.6%-9.6pp | 73.8%-19.7pp | 68.1%-14.0pp |
| Annual return | 11.40% | 37.53%-26.1pp | 292.57%-281.2pp | 41.64%-30.2pp |
| Employer contribution / active EE | $421 | $2,047-79.4% | $2,649-84.1% | $2,551-83.5% |
| Participant deferral / active EE | $3,071 | $2,914+5.4% | $4,123-25.5% | $4,139-25.8% |
| Admin fee / account holder | $12,032 | $4,643+159.1% | $5,150+133.6% | $7,234+66.3% |