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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 | $56,395 | $58,493-3.6% | $84,023-32.9% | $72,976-22.7% |
| Participation rate | 55.4% | 61.2%-5.9pp | 69.0%-13.7pp | 69.5%-14.1pp |
| Annual return | 14.91% | 28.93%-14.0pp | 71.32%-56.4pp | 81.02%-66.1pp |
| Employer contribution / active EE | $256 | $1,163-78.0% | $1,984-87.1% | $2,440-89.5% |
| Participant deferral / active EE | $1,800 | $2,394-24.8% | $3,239-44.4% | $3,608-50.1% |
| Admin fee / account holder | $14,101 | $4,569+208.6% | $6,102+131.1% | $5,124+175.2% |