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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 | $52,922 | $55,889-5.3% | $76,119-30.5% | $80,935-34.6% |
| Participation rate | 64.7% | 62.1%+2.6pp | 69.1%-4.4pp | 67.7%-3.0pp |
| Annual return | 6.19% | 20.58%-14.4pp | 361.25%-355.1pp | 35.66%-29.5pp |
| Employer contribution / active EE | $1,026 | $1,866-45.0% | $2,693-61.9% | $2,757-62.8% |
| Participant deferral / active EE | $5,582 | $3,051+82.9% | $4,259+31.1% | $4,299+29.8% |
| Admin fee / account holder | $5,483 | $5,241+4.6% | $6,421-14.6% | $6,924-20.8% |