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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 | $54,234 | $57,575-5.8% | $124,067-56.3% | $86,983-37.7% |
| Participation rate | 39.5% | 62.3%-22.8pp | 66.9%-27.4pp | 69.5%-30.1pp |
| Annual return | 11.58% | 19.65%-8.1pp | 31.06%-19.5pp | 25.83%-14.2pp |
| Employer contribution / active EE | $493 | $1,615-69.5% | $2,166-77.2% | $2,584-80.9% |
| Participant deferral / active EE | $1,495 | $2,623-43.0% | $3,463-56.8% | $4,194-64.4% |
| Admin fee / account holder | $23,606 | $8,506+177.5% | $7,351+221.1% | $7,856+200.5% |