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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 | $41,245 | $102,422-59.7% | $147,117-72.0% | $80,959-49.1% |
| Participation rate | 59.6% | 75.9%-16.2pp | 82.2%-22.5pp | 67.7%-8.0pp |
| Annual return | 8.31% | 135.16%-126.8pp | 420.54%-412.2pp | 35.67%-27.4pp |
| Employer contribution / active EE | $1,228 | $3,717-67.0% | $4,932-75.1% | $2,757-55.5% |
| Participant deferral / active EE | $2,837 | $6,652-57.4% | $8,065-64.8% | $4,300-34.0% |
| Admin fee / account holder | $1,321 | $7,953-83.4% | $12,993-89.8% | $6,925-80.9% |