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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 | $73,998 | $60,442+22.4% | $96,754-23.5% | $87,485-15.4% |
| Participation rate | 35.0% | 58.7%-23.7pp | 70.3%-35.3pp | 68.9%-33.9pp |
| Annual return | 11.61% | 21.97%-10.4pp | 82.04%-70.4pp | 26.06%-14.5pp |
| Employer contribution / active EE | $412 | $1,691-75.6% | $2,679-84.6% | $2,596-84.1% |
| Participant deferral / active EE | $1,419 | $3,280-56.7% | $4,758-70.2% | $4,274-66.8% |
| Admin fee / account holder | $2,126 | $5,069-58.1% | $8,905-76.1% | $7,775-72.6% |