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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 | $54,170 | $63,861-15.2% | $104,639-48.2% | $79,856-32.2% |
| Participation rate | 64.6% | 64.9%-0.3pp | 74.1%-9.5pp | 69.6%-5.1pp |
| Annual return | 8.55% | 21.30%-12.8pp | 340.67%-332.1pp | 31.71%-23.2pp |
| Employer contribution / active EE | $577 | $1,588-63.7% | $2,682-78.5% | $2,471-76.6% |
| Participant deferral / active EE | $6,139 | $2,693+127.9% | $3,738+64.2% | $3,741+64.1% |
| Admin fee / account holder | $16,895 | $4,185+303.7% | $6,465+161.3% | $5,306+218.4% |