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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 | $65,743 | $54,541+20.5% | $78,778-16.5% | $70,126-6.3% |
| Participation rate | 52.0% | 60.8%-8.8pp | 69.2%-17.2pp | 69.5%-17.5pp |
| Annual return | 11.34% | 21.07%-9.7pp | 35.62%-24.3pp | 73.15%-61.8pp |
| Employer contribution / active EE | $246 | $1,089-77.4% | $1,986-87.6% | $2,343-89.5% |
| Participant deferral / active EE | $1,852 | $2,210-16.2% | $2,958-37.4% | $3,332-44.4% |
| Admin fee / account holder | $2,501 | $3,709-32.6% | $5,134-51.3% | $4,645-46.2% |