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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 | $67,847 | $68,681-1.2% | $86,625-21.7% | $85,851-21.0% |
| Participation rate | 44.4% | 66.4%-21.9pp | 71.6%-27.2pp | 69.3%-24.9pp |
| Annual return | 10.55% | 20.12%-9.6pp | 63.52%-53.0pp | 318.63%-308.1pp |
| Employer contribution / active EE | $893 | $1,880-52.5% | $2,496-64.2% | $2,565-65.2% |
| Participant deferral / active EE | $2,556 | $2,919-12.4% | $3,700-30.9% | $3,952-35.3% |
| Admin fee / account holder | $6,652 | $5,974+11.3% | $5,830+14.1% | $6,261+6.3% |